When economic times are difficult, people everywhere can unwillingly default on their debts. Unfortunately, debt collectors often abuse those people to collect on the overdue balances. If you are mistreated in this manner, the good news is that you have legal remedies to make it stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, enforces the rules that collection agencies must follow when collecting debts, and penalizes violations. Examples of acts that are illegal under the FDCPA include:
● Trying to get more money from you than you really owe
● Speaking to you in an abusive manner
● Calling your family and friends
● Calling you at work
● Threatening to sue you on a time-barred debt
● Threatening to garnish your wages
Company Profile: CRA Collections, Inc.
If you are being called by CRA Collections, Inc., an agency overview is below.
CRA Collections, Inc., which also does business as Revenue Collect, is a debt collection agency in Mechanicsburg, Pennsylvania. It opened its doors in 2008, has 30 employees, and is managed by Robert Hunt. A case search at the PACER website shows that people who felt harassed by CRA Collections, Inc. got a free case review from a consumer attorney and fought back.
Alleged Violations against CRA Collections, Inc.
According to PACER, in or around July 2012, CRA Collections, Inc. allegedly tried to collect a debt by constantly calling a Delaware consumer. He alleged that these calls were made using an autodialer because they always left recorded messages on his voicemail, and that none of the messages identified the caller as a debt collector.
Feeling harassed by CRA Collections, Inc., the consumer filed a claim against the agency for
● Using an autodialer to call him
● Using harassing means to collect a debt
● Failing to identify itself as a debt collector
A court awarded the consumer $4,673 in damages.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they ever show up on your caller ID, CRA Collections, Inc. may be on the line. If they constantly call you using an autodialer, hire a consumer lawyer and file a claim against CRA Collections, Inc.. The FDCPA allows you to recover damages of up to $1,000 per violation, and attorney's fees and costs, so don’t let concerns about money prevent you from seeking justice.
*Case taken from PACER (www.pacer.gov). File number is Case 1:12-cv-01590-RGA from the United States District Court for the District of Delaware.
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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 CRA Collections, Inc. or any other third-party collection agency, you may not be entitled to any compensation.