Is Conrad Acceptance Corporation calling you? Learn to protect yourself!
People rarely get themselves into deep debt on purpose, but if you lose your job or become too ill to work, arrears can pile up quickly. Next thing you know, third-party debt collectors are calling you and sending collection letters.
If they attempt to bully you into paying, be aware that the law is on your side and you have rights that collection agencies violate at their own professional risk.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers from bullying and harassment by third-party collection agencies. These companies and their representatives are prohibited from using pressure tactics like the following to make you pay.
- Using profane and abusive language
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Claiming that you can be arrested and imprisoned for nonpayment of a debt
- Contacting you at work after being informed that your boss does not permit such calls
- Discussing the debt with anyone but you, your spouse, your attorney, and any debt co-signers (if applicable)
Company Profile: Conrad Acceptance Corporation
Conrad Acceptance Corporation is a debt collection company located in Escondido, California. It was established in 1990, has 50 to 99 employees, and is managed by CEO, Keith Richenbacher.
Civil litigation records retained at the PACER (Public Access to Court Electronic Records) website indicate that Conrad Acceptance Corporation has been accused of periodically using debt collection practices that violate the FDCPA.
Alleged Violations against Conrad Acceptance Corporation
Alexander Abbe vs. Conrad Acceptance Corporation et al*
According to PACER, in or around early 2010 a California resident started to get constant calls from Conrad Acceptance Corporation seeking payment for an alleged debt.
When the voicemail messages left by company collectors allegedly failed to identify the callers as debt collectors seeking to collect a debt, he hired a consumer attorney and sued Conrad Acceptance Corporation for allegedly violating the FDCPA in the following ways:
- Engaging in harassing, oppressive and abusive conduct
- Using false, deceptive and misleading means to collect a debt
- Failing to disclose in subsequent communications that the communication was from a debt collector
The matter was later dismissed.
Hire an Attorney
The phone numbers for Conrad Acceptance Corporation are:
If the phone rings and any of these numbers appear on your caller ID, it means that a collection agency is looking for you to settle a debt. If they leave voicemail messages that conceal the reason for the call, contact a consumer attorney.
This lack of transparency is illegal under the FDCPA, and if you sue you could potentially win $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. Never tolerate harassment from a debt collector: instead, fight back.
*Case taken from PACER (www.pacer.gov). File number is Case 3:10-cv-03554-MEJ from the United States District Court, Northern District of California, San Jose Branch
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 Conrad Acceptance Corporation or any other third-party collection agency, you may not be entitled to any compensation.