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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Credigy Receivables, Inc.?*

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Are you Being Called By Credigy Receivables, Inc.?* Here’s What You Need to Know

Many consumers with debts in collections are subjected to threats, intimidation, and general harassment. In some cases they declared bankruptcy to bring the unwanted contact to an end, unaware that harassing people in their position is against the law.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, grants consumers the right to dispute a debt and tell the collector to stop calling. It also makes it illegal for collection agencies to use pressure tactics like the following:

  • Threatening legal actions they have no intention of carrying out
  • Telling you that you have committed a crime like fraud and will be arrested
  • Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
  • Discussing the debt with uninvolved third parties like your friends, family and neighbors
  • Using profane or obscene language
  • Demanding high amounts inflated by service ‘fees’

Is Credigy Receivables, Inc. Calling You?

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Company Profile: Credigy Receivables, Inc.

If you are being called by Credigy Receivables, Inc., information about the company is below.

Credigy Receivables, Inc., which also does business as Main Street Acquisition Corp., is a debt collection office located in Norcross, Georgia, with offices in Las Vegas, Nevada. It was established in 2001, has 20 to 49 employees, and is managed by its President, Renae White. Records on file at the PACER (Public Access to Court Electronic Records) website suggest that consumers who believed they were being harassed by Credigy Receivables, Inc. stood up for themselves by filing a lawsuit against the company for allegedly violating the FDCPA.

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Alleged Violations against Credigy Receivables, Inc.

According to PACER, in May 2008 Credigy Receivables, Inc. sued a Utah resident to collect a consumer debt even though it allegedly did not present evidence that it owned the debt. The collection action was dismissed in April 2010, but he had incurred legal fees pursuing the action. He also asserted that a previous collection lawsuit had been filed against him in 2006, but it failed, and the follow-up action was not filed within a year as required by law.

Feeling harassed by Credigy Receivables, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

The matter was later dismissed.

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Hire an Attorney

The phone numbers for this debt collection company are as follows:

If you see any of them your caller ID when the phone rings, it means that you are being called by Credigy Receivables, Inc.. If they make you incur legal costs by trying to collect a time-barred debt from you, hire a consumer attorney who can help you file a claim against Credigy Receivables, Inc. If you win your case, you may be awarded $1,000 per FDCPA violation plus any applicable fees and damages. If a collection agency tries to bully you into paying, the law could eventually force them to pay you instead.

*Case taken from PACER (www.pacer.gov). File number is Case 2:10-cv-00468-PMW from the United States District Court for the District of Utah, Central 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 Credigy Receivables, Inc., or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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