Is Continental Collection Agency Ltd calling you? Here's what you need to know.
If you’ve ever had problems staying on top of your bill payments, you’ve likely familiar heard from debt collectors at least once. While many of them are professional in approach and are willing to work out a payment plan with you, others can be so abusive and hostile that many indebted consumers declare personal bankruptcy just to make the harassment stop, unaware that they are protected under the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which was passed by Congress in 1977 as a consumer protection measure, protects you and other indebted consumers from unethical and deceptive collection practices like the following:
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Threatening to have you arrested or imprisoned
- Refusing to prove that a debt exists and they are authorized to collect it
- Contacting you at your place of employment after you indicate that you can’t take calls there.
- Discussing your debt with friends, family, neighbors, and other uninvolved parties
- Presenting themselves as attorneys (if they are not) or police officers
Company Profile: Continental Collection Agency Ltd
Continental Collection Agency Ltd is a collection agency located in Denver, Colorado. It was founded in 1991, has 10 to 19 employees, and is managed by Angel Spivak. A review of files archived at the PACER (Public Access to Court Electronic Records) website indicates that Continental Collection Agency Ltd has been sued for allegedly violating consumer rights while attempting to collect a debt.
Alleged Violations against Continental Collection Agency Ltd
Lain Graves vs. Continental Collection Agency Ltd
According to PACER**, prior to 2005, a Colorado resident Lain Graves amassed a debt of $1500 to Pine Creek Village Apartments, which subsequently went into default and was assigned to Continental Collection Agency Ltd for collection.
The agency contacted her in an attempt to collect the debt. He had filed for bankruptcy in 2005, and the debt was discharged in the filing on or about February 23, 2006. Nonetheless, Continental Collection Agency Ltd served him with a summons and complaint, in an attempt to collect the debt. She emailed a copy of his bankruptcy papers to the agency’s lawyer and was allegedly told that the information was received but they “do not care.”
Continental Collection Agency Ltd proceeded with the court case and in January 17, 2012 and were granted a default judgment in their favor against her. He later complained that he had attempted to contact the company many times, but they refused to speak with him, said they do not care, hung up on him, and did not return his calls.
When, on February 29, 2012, Continental Collection Agency Ltd began garnishing his paychecks, Mr. Graves hired a consumer attorney and filed a lawsuit accusing the agency of violating the FDCPA in the following ways:
- Engaging in behavior that harassed, oppressed, or abused him
- Misrepresenting the character, amount and legal status of the debt
- Using false and deceptive means to collect a debt.
The matter was later settled.
Hire a Creditor Harassment Attorney
The phone numbers for Continental Collection Agency Ltd are:
If either of these numbers appear on your caller ID when the phone rings, a debt collector is trying to contact you about a debt they have been assigned to collect. If they try to collect a debt discharged in a bankruptcy and refuse to be deterred, hire an attorney.
Such actions violate the FDCPA and you could potentially be awarded $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. Your attorney will advocate for you, guard your rights, and work to bring about the best possible outcome for you.
**Case taken from PACER (www.pacer.gov). File number is (Case 1:12-cv-00664-WYD-KMT from United States District Court for the District of Colorado)
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Continental Collection Agency Ltd or any other third-party collection agency, you may not be entitled to any compensation.