Are You Being Called By Collexx, Inc.?*

Are you being called By Collexx, Inc.?* Here’s what you need to know

If a collection agency is chasing you relentlessly for an overdue credit card account you can’t afford to pay, it’s normal to be stressed and upset. It can be even worse if the collectors yell at you over the phone and make threats. If this happens to you, stay calm. You have rights that make it illegal for collection agencies and their representatives to go this far.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from harassment by third-party debt collectors. Since then, it has been illegal to use methods like the following to settle a debt.

• Using profane or obscene language
• Calling you at work when your employer does not allow such calls
• Contacting your friends, family and co-workers and discussing the debt with them
• Using an autodialer to leave a series of pre-recorded messages
• Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
• Refusing to validate the debt and prove that they are authorized to collect it

Company Profile: Collexx, Inc.

If you are being called by Collexx, Inc., information about the company is below.

Collexx, Inc. is a debt collection company located in Long Valley, New Jersey. It was established in 1987, has approximately 14 employees, and is managed by its President, Vincent Gaudio. The company website also advertises extensive skip tracing services that include taxpayer ID confirmation and verification of military service. Perusing the lawsuit dockets at the PACER (Public Access to Court Electronic Records) website indicates that many consumers who felt they were being harassed by Collexx, Inc. filed lawsuits against the company.

Alleged Violations against Collexx, Inc.

According to PACER, in January 2007, Collexx, Inc. sent a collection letter to Florida resident to collect a medical debt. She sent a letter disputing the debt and requested no more contact, but the communications allegedly continued. In one of the letters, the company allegedly accused her of making excuses for not paying and stated that doing so “will not make this bill disappear.”

Feeling harassed by Collexx, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

• Contacting her after she asked for communications to cease
• Using false, deceptive, and misleading means to collect a debt
• Using harassing and abusive means to collect a debt

The matter was later dismissed.

Hire an Attorney

The phone numbers for this debt collection agency are as follows:

• 1-908-876-8499
• 1-866-265-5399

If either number appears on your caller ID at any time, be aware that you are being called by Collexx, Inc.. If they belittle you for refusing or being unable to pay, don’t tolerate the verbal abuse: hire a consumer attorney instead. They can help you file a claim against Collexx, Inc., and if you win your case, you could potentially be awarded $1,000 per FDCPA violation. Never let a collection agency demean you when the law is on your side.

*Case taken from PACER (www.pacer.gov). File number is Case 1:07-cv-20935-PAS from the United States District Court for the Southern District of Florida.

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Collexx, Inc., or any other third-party collection agency, you may not be entitled to any compensation.