Research suggests that many Americans are in debt and a good percentage of them have at least one account in collections. Collection agencies are legally mandated to treat you with respect when discussing your debt, but too many companies prefer to expedite payment via intimidation and abuse.
If this happens to you, learn what your options are.
The FDCPA And Your Rights
The Fair Debt Collections Practices Act (FDCPA) was passed by Congress over 40 years ago to protect debtors from being harassed into bankruptcy. Today, most states have their own debt collection laws too. Both state and federal laws protect you from the following types of mistreatment.
- Telling you that they have committed fraud by not paying the debt
- Demanding amounts that are not supported by law or the original creditor agreement
- Using the phone to harass you by calling nonstop
- Calling you during work hours
- Threatening legal action even though they have no intention on doing so
Company Profile: Commercial Collection Corporation of New York
If you are being called by Commercial Collection Corporation of New York, a general overview of the agency is below.
Commercial Collection Corporation of New York is a debt collection agency located in Tonawanda, York. It was established in 1962, has 51 employees, and is managed by its CEO, Robert P. Ingold.
An inspection of litigation files at the PACER website confirms that consumers who believed they were being harassed by Commercial Collection Corporation of New York hired legal counsel to help them pursue a claim.
Alleged Violations against Commercial Collection Corporation of New York
According to records, on or about November 14, 2011, Commercial Collection Corporation of New York sent a collection letter to a Pennsylvania consumer. She claimed that the letter failed to advise her of her dispute rights and that the agency proceeded to call her constantly, leaving voice messages that did not identify the caller as a debt collector.
Feeling harassed by Commercial Collection Corporation of New York, the consumer retained the services of an FDCPA attorney and sued the agency for allegedly:
- Failing to identify itself as a debt collector in all communications
- Using harassing and abusive means to collect a debt
- Misrepresenting the character, amount, or legal status of the debt
- Using unfair and unconscionable means to collect a debt
The matter was then resolved on a later date.
Hire a Consumer Lawyer
The phone numbers for Commercial Collection Corporation of New York are:
Their appearance on your caller ID means that Commercial Collection Corporation of New York is trying to reach you. If they do not provide the required information about your rights and fail to identify themselves as debt collectors each time they contact you, hire a consumer lawyer, as such conduct gives you grounds to file a claim against Commercial Collection Corporation of New York.
If you win your case, the company must pay you $1000 per violation plus court costs and attorney fees, so taking a collection agency to court can pay off.
Case taken from PACER (pacer.gov). File number is Case 1:12-cv-00133-JEJ from the United States District Court for the Middle District of Pennsylvania.
*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 Commercial Collection Corporation of New York or any other third-party collection agency, you may not be entitled to any compensation.