Is Constantino Law Office, P.C. calling you? You may want to know a few things.
Debt collectors can be pushy to the point of intimidation, but don’t let them bully you into paying anything you can’t afford or covering a debt that isn’t yours to begin with.
If they swear, threaten you or attempt to humiliate you publicly, they’ve broken federal law and you can sue.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates what third-party debt collectors may say or do to settle a debt.
Approaches like those listed below are illegal when used to collect money.
- Swearing and calling you names
- Failing or refusing to identify themselves as debt collectors in every communication
- Pretending to be members of law enforcement
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Telling you that you have committed a crime and will be arrested if you don’t pay
- Threatening legal actions that they have no intention of taking
Company Profile: Constantino Law Office, P.C.
Constantino Law Office, P.C. is a debt collection law office in West Jordan, Utah. It was established in 2002, has less than 10 employees, and is managed by Gregory M. Constantino, who is also a member of the National Association of Retail Debt Collection Attorneys.
Litigation records on file at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Constantino Law Office, P.C. fought back in court.
Alleged Violations against Constantino Law Office, P.C.
According to PACER, in and around early 2014 Utah resident allegedly discovered that Constantino Law Office, P.C. was applying his regular monthly payments of $300 toward another account that he had never authorized payments for.
He later claimed that he had complained about this arrangement, but it allegedly continued.
Feeling harassed by Constantino Law Office, P.C., he hired a consumer attorney and sued attorney’s office for allegedly violating the FDCPA by using false, deceptive, and misleading means to collect a debt.
Hire an Attorney
The phone numbers for this collection attorney’s office are as follows:
If either number appears on your caller ID, it means that you may be being called by Constantino Law Office, P.C.
If they apply your payments toward a different debt than the one you agreed to settle, hire a consumer attorney immediately.
If you file a claim against Constantino Law Office, P.C., you could potentially win $1,000 per FDCPA violation, as well as court costs, attorney fees, and any applicable damages.
When debt collectors ignore your rights, the law lets you send them a stern reminder.
**Case taken from PACER (www.pacer.gov). File number is Case 2:14-cv-00359-DBP from the United States District Court for the District of Utah, Central Division.
*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 Constantino Law Office, P.C., or any other third-party collection agency, you may not be entitled to any compensation.