According to a 2014 study, 35% of adult Americans have at least one debt in collections. That’s nearly 77 million people who are dealing with collection agencies. This is one of the reasons why debt collector harassment is becoming such a growing concern.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act protects consumers from unethical and aggressive debt collection practices. It regulates the conduct of licensed collection agencies and prohibits d abusive tactics like those below.
- Threatening you with frivolous lawsuits
- Using profane and obscene language
- Misrepresenting the amount of your debt
- Ignoring a cease communications notice
- Using an autodialer
- Calling you at inconvenient times and places
Company Profile: Conrad Credit Corporation
If you are being called by Conrad Credit Corporation, here are some additional company details.
Conrad Credit Corporation, which also does business as Approval One, is a collection agency in Escondido, California. It was founded in 1990, has 20 employees, and is managed by Keith Richenbacher. Court records at the PACER website indicate that those who felt that they were being harassed by Conrad Credit Corporation did not give in.
Alleged Violations against Conrad Credit Corporation*
According to PACER, in or around September 11, 2009, Conrad Credit Corporation sent a collection letter to a Connecticut consumer, demanding an amount that included a $300.30 collection fee, which exceeded the 15% amount allowed under Connecticut law.
Feeling harassed by Conrad Credit Corporation, the consumer sued the company for:
- Misrepresenting the legal amount of the debt
- Trying to collect an amount not permitted by law
The matter was later resolved.
Hire a Consumer Lawyer
The phone numbers for Conrad Credit Corporation are:
If they appear on your caller ID, Conrad Credit Corporation is calling you. If they add illegal collection fees to the debt total, hire a consumer lawyer and file a claim against Conrad Credit Corporation. They may be ordered to pay you $1000 plus court costs and attorney fees. A lawsuit is a good reminder that consumers have rights, always.
*Case taken from PACER (pacer.gov). File number is Case 3:10-cv-00995-AWT from the United States District Court for the District of Connecticut.
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 Credit Corporation or any other third-party collection agency, you may not be entitled to any compensation.