Debt collection abuses are reaching an all-time high. Collection agencies are chasing consumers for debts that don’t belong to them, or for debts that are barred by statute, or for debts which were discharged in an earlier bankruptcy. It’s more important than ever for consumers to understand their rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects you from being bullied and threatened because you owe a debt. Any collection agency that uses these practices to collect money from you has broken the law and can be closed permanently.
● Calling you before 8:00 a.m. and after 9:00 p.m. your time
● Maliciously reporting false information to the credit bureaus
● Telling you that you will arrested if you don’t pay
● Cursing and calling you names
● Using an autodialer to contact you nonstop
● Demanding amounts not supported by law
Company Profile: Continental Central Credit
If you are being called by Continental Central Credit, more information about the company is below.
Continental Central Credit is a collection agency in Carlsbad, California. It was established in 1990, has 20 employees, and is managed by Grabielita Spielman. Civil litigation records at the PACER website indicate that those who felt that they were being harassed by Continental Central Credit sought damages.
Alleged Violations against Continental Central Credit*
According to PACER, in or around mid-2016, Continental Central Credit sent a collection letter to a Wisconsin consumer regarding a debt that he had left unpaid since 2008. Under Wisconsin law, the debt was therefore past the statute of limitations.
Feeling harassed by Continental Central Credit, the consumer sued the company for:
● Misrepresenting the legal status of the debt
● Trying to collect a time-barred debt
The matter was later resolved.
Hire a Consumer Lawyer
The phone numbers for Continental Central Credit are:
If you see any of them on your caller ID, Continental Central Credit is attempting to contact you. If they insist that you pay a time-barred debt, hire a consumer lawyer and file a claim against Continental Central Credit. You could be awarded both statutory and punitive damages plus your attorney fees, so when a collection agency disregards your rights, the law supports appropriate remedies.
*Case taken from PACER (www.pacer.gov). File number is Case 2:16-cv-01402-PP from the United States District Court for the Eastern District of Wisconsin, Milwaukee 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 Continental Central Credit or any other third-party collection agency, you may not be entitled to any compensation.