When an aggressive debt collector is chasing you for payment, they may make you believe that they can do anything: seize your home, garnish your wages, and even arrange for your children to be taken from you. Here’s the truth: not only is such conduct illegal, but if you take the collection agency to court they can be ordered to compensate you.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA, to protect debtors from declaring involuntary bankruptcy to escape harassment This federal law protects you by making it illegal for debtors to use tactics like these to coerce you into paying:
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Using profane and obscene language
- Showing up at your house to intimidate you
- Contacting your at work after learning that the employer does not permit such calls
- Ignoring a formal request to cease communications
- Telling your friends, neighbors, and co-workers that you owe money
Company Profile: Consumer Solutions Group
If you are being called by Consumer Solutions Group, information about the company is below.
Consumer Solutions Group, is a debt collection agency located in Lawrenceville, Georgia. It was established in 2012, has less than 10 employees, and is managed by owner J. Witman. Court records organized and maintained by the PACER (Public Access to Court Electronic Records) website indicate that people who believed they were being harassed by Consumer Solutions Group filed lawsuits to force the company to prove its claims.
Alleged Violations against Consumer Solutions Group*
According to PACER, in or around early 2016, Consumer Solutions Group allegedly called the elderly parents of a Michigan man to collect an alleged debt. The resulting voicemail stated, in part, “I need you to be advised that this is the Certified Notice of Intent regarding a pending claim that has been filed against you.”
When he called the company, he was told that the debt was a payday loan with an original balance of $580.00 and collection / miscellaneous fees of $418.86. The representative also allegedly said that they could not provide him with anything in writing regarding the account unless he first provided them with a prepaid debit card.
Feeling harassed by Consumer Solutions Group, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Threatening actions that could not legally be taken
- Disclosing debt details to third parties
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an FDCPA Attorney
The phone numbers for this collection agency are:
If any of these numbers appear on your caller ID when the phone rings, it means that you are being called by Consumer Solutions Group. If they discuss your debt with your family and threaten you with lawsuits to compel payment, hire a consumer attorney. If you file a claim against Consumer Solutions Group with your attorney’s assistance and win, you could receive $1,000 per FDCPA violation plus damages and court costs. It’s a good reason to stand firm when a debt collector goes too far.
*Case taken from PACER (pacer.gov). File number is Case 1:16-cv-00035-JTN-ESC from the United States District Court for the Western District of Michigan, Southern 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 Consumer Solutions Group, or any other third-party collection agency, you may not be entitled to any compensation.