Collection agencies are known for using abusive and illegal strategies to collect money from indebted consumers. Although federal law requires debt collectors to treat you with honesty and respect, many of them still harass people to get them to pay.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which is enforced by the Federal Trade Commission, imposes firm guidelines on how debt collection agencies may communicate with consumers. Actions like those violate the law and can get a company’s license revoked.
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m.
- Swearing at you
- Pretending to be police officers or government employees
- Discuss the debt with anyone except you, your attorney, spouse, or co-signer
- Demanding amounts that exceed the amount of the original debt
- Failing to identify themselves as debt collectors in each communication
Company Profile: Contract Callers, Inc.
If you are being called by Contract Callers, Inc., here is a general overview of the agency’s history.
Contract Callers, Inc. is a collection agency located in Augusta, Georgia. It was founded in 1926, employs over 600 people in offices located throughout the continental U.S., and is managed by its President, Tim Wertz.
According to information viewable at the PACER website, people who believed they were being harassed by Contract Callers, Inc. filed FDCPA lawsuits to seek damages.
Alleged Violations against Contract Callers, Inc.*
According to PACER, in or around mid-2010, Contract Callers, Inc. began calling a Wisconsin consumer to collect an unpaid utility bill. She alleged that the address identified by the company was at a residence she vacated in May of 2005 and covers a period that followed her departure.
Although the consumer told the collectors that it was not her debt and to stop calling, the calls allegedly continued.
Feeling harassed by Contract Callers, Inc., the consumer sued the company for allegedly violating her rights by:
- Calling her after being told to stop
- Using harassing and abusive means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Contract Callers, Inc. are:
If they show up on your caller ID at any time, be aware that you are being called by Contract Callers, Inc. if they continuously call you over someone else’s debt, hire a consumer attorney to guide you through the steps involved in filing a claim against Contract Callers, Inc.
Even when a collection agency is a large company with multiple offices, it can be held accountable when you act on your rights.
Case taken from PACER (pacer.gov). File number is Case 2:10-cv-00662-RTR 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 Contract Callers, Inc. or any other third-party collection agency, you may not be entitled to any compensation.