Being called by a debt collector is stressful, especially if you can't afford to pay what they’re demanding. Your initial reaction might be to ignore the calls and letters in the hopes that the collector will give up, but this can only make the matters worse. If they are harassing you and refuse to stop, calling an attorney can have the desired effect.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect indebted consumers from being harassed to the point of bankruptcy by third-party collection agencies. Under this federal law, debt collectors are prohibited from using methods like those below to obtain a debt payment.
Using profane and obscene language
Pretending to be lawyers or members of law enforcement
Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
Reporting false information to the credit bureaus
Threatening to call your payroll department and tell them you owe a debt
Pretending to be attorneys, police officers, or federal agents
Company Profile: Credit Bureau of Lancaster County, Inc.
If you are being called by Credit Bureau of Lancaster County, Inc., information about the company is below.
Credit Bureau of Lancaster County, Inc. is a financing and debt collection company located in Lancaster, Pennsylvania. It was established in 1944, has approximately 35 employees, and is managed by its President, Kelley R. Lutz. Its other services include tenant and employment screening and home equity loans. An examination of lawsuits arising from FDCPA violations, viewable at the PACER (Public Access to Court Electronic Records) website, confirms that consumers who felt they were being harassed by Credit Bureau of Lancaster County, Inc. sued the company to stop the intrusive contact.
Alleged Violations against Credit Bureau of Lancaster County, Inc.
According to PACER, in September 2014 Credit Bureau of Lancaster County, Inc. sent a collection letter to a Pennsylvania resident The letter came in a window envelope, and he asserted that the reference number assigned to his account was visible through the glassine window.
Feeling harassed by Credit Bureau of Lancaster County, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA by making identifying information visible through the envelope window.
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If either one appears on your caller ID when the phone rings, be aware that you are being called by Credit Bureau of Lancaster County, Inc.. If they make any of your personal information, such as account number, visible when sending you a collection letter, hire a consumer attorney who can help you pursue your rights in court. If you file a claim against Credit Bureau of Lancaster County, Inc., you could potentially be awarded $1,000 per FDCPA violation in addition to court costs, attorney fees, and related expenses. When a collection agency refuses to take your privacy seriously, they can be forced to compensate you for the oversight.
*Case taken from PACER (www.pacer.gov). File number is Case 5:15-cv-00493-EGS from the United States District Court for the Eastern District of Pennsylvania.
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 Credit Bureau of Lancaster County, Inc., or any other third-party collection agency, you may not be entitled to any compensation.