Is Cornerstone Credit Services calling you? Here's what you need to know.
At some point in your life, you will probably fall behind on one or more of your monthly obligations, such as credit card bills, mortgage payments, and medical debt. Most of us rebound quickly, but sometimes circumstances are so adverse that the accounts become delinquent and debt collectors start calling. While many are civil and willing to work out a payment arrangement with you, others can be downright malicious.
Your Rights Under the FDCPA
Debt collectors can be rude and persistent when trying to get your money, making it easy to forget that you have rights. The Fair Debt Collection Practices Act, or FDCPA, penalizes collection agencies that use deceptive and hostile collection tactics like the following:
- Using profane and abusive language
- Calling you repeatedly and leaving vague messages that do not identify them as debt collectors
- Calling you at work after you tell them that you can’t take personal calls there
- Contacting your friends and family and telling them that you owe money
- Demanding outrageous ‘fees’ in addition to the original debt
- Refusing to prove that a debt exists and that they are authorized to collect it
Company Profile: Cornerstone Credit Services
Cornerstone Credit Services is a debt collection agency located in Anchorage, Alaska with a satellite office in Fairbanks. It was founded in 1999, is a member of the Alaska Collectors Association, and is managed by Jeremy Reynolds. Files retained by the PACER (Public Access to Court Electronic Records) website indicate that Cornerstone Credit Services has been accused of infringing on consumer rights while attempting to collect debts.
Alleged Violations against Cornerstone Credit Services
According to PACER**, on or about September 9, 2014, an Alaska resident contacted Cornerstone Credit Services by letter and facsimile asking the agency to stop contacting her about an alleged web. The following February, a representative who identified herself as “Amanda” called the Alaska resident and allegedly threatened to file a lawsuit against her. She responded by hiring a consumer attorney and suing Cornerstone Credit Services for violating the FDCPA by contacting her after receiving a cease communications request.
The matter was later dismissed.
Hire an Attorney
The phone numbers for Cornerstone Credit Services are:
If you see any of these numbers on your caller ID, be aware that a third-party debt collector is trying to reach you. If they persist in contacting you after receiving a cease communications request, hire an attorney. Such conduct violates 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.
If your rights are ignored by a debt collector, the law helps you provide them with an expensive reminder.
**Case taken from PACER (www.pacer.gov). File number is (Case 3:15-cv-00144-JWS from United States District Court for the District of Alaska)
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Cornerstone Credit Services or any other third-party collection agency, you may not be entitled to any compensation.