Both state and federal laws regulate the conduct of third-party debt collectors. Unfortunately, this oversight does not prevent some collection agencies from using illegal and unethical practices to collect debts, so if you are targeted for harassment, contact a consumer lawyer who can help you protect your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal law designed to prevent debt collectors from harassing or intimidating consumers to collect a debt. Below is a sample list of collection actions that constitute violations of the FDCPA:
- Using profane or obscene language
- Ignoring a written dispute letter
- Calling you at work after being asked to stop
- Threatening to garnish your wages when they have no court order to do so
- Leaving aggressive voicemails
- Contacting you directly when you have legal counsel regarding the debt
Company Profile: Continental Service Group, Inc.
If you are being called by Continental Service Group, Inc., more information about the company is below.
Continental Service Group, Inc., which also does business as Conserve, is a debt collection agency located in Fairport, New York. It was founded in 1985, has 840 employees, and is managed by owner Mark E Davitt.
According to the Better Business Bureau, this agency also collects tax debts for the IRS. Civil litigation records at the PACER website suggest that consumers who believed they were being harassed by Continental Service Group, Inc. opted to fight back.
Alleged Violations against Continental Service Group, Inc.
According to PACER, in or around February 2, 2018, Continental Service Group, Inc. sent a collection letter to a consumer in South Carolina, requesting payment for an education debt. It stated, in part, “... You owe the balance shown on this letter.
Because of ....charges that may vary ... the amount due on the day you pay may be greater. We encourage you to call prior to making a payment intended to pay your account in full.”
However, there was no interest or late fees being applied, only a collection cost that appeared to be a static one.
Feeling harassed by Continental Service Group, Inc., the consumer reacted by hiring a lawyer and suing the agency for allegedly using false, deceptive, and misleading means to collect a debt. The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If you see either of them on your caller ID at any time, be aware that Continental Service Group, Inc. is calling. If they are not transparent regarding what you owe, they have violated the FDCPA. Your next step should be to hire a consumer attorney and file a claim against Continental Service Group, Inc.
You could receive compensation of $1,000 per FDCPA violation, which can add up if the collection agency has been especially aggressive. Know that you are never without rights no matter what they may try to tell you.
- Has a Debt Collector Used Profane Language?
- Did a Debt Collector Identify Themselves to a Third-Party?
Case taken from PACER (pacer.gov). File number is Case 8:18-cv-02129-DCC from the United States District Court for the District of South Carolina, Anderson 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 Service Group, Inc., or any other third-party collection agency, you may not be entitled to any compensation.