Being harassed by collection agencies to pay a debt you can’t afford is one of life’s most stressful experiences. While there’s nothing illegal about collecting a debt, if the agency you’re dealing with is rude, deceptive, or manipulative, they’re breaking the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates the ways that third-party debt collectors may communicate with you during the collection process. Abusive and manipulative tactics like those below can lead to a fine and, in extreme cases, loss of the agency’s license.
- Failing or refusing to identify themselves as debt collectors
- Maliciously reporting false information to the credit bureaus
- Calling you at inconvenient times and places
- Using obscene or profane language
- Calling your friends, neighbors, and co-workers and telling them that you owe a debt
- Trying to collect after you have formally disputed a debt
Company Profile: Credit Bureau of Lewiston-Clarkston, Inc.
If you are being called by Credit Bureau of Lewiston-Clarkston, Inc., information about the company is below.
Credit Bureau of Lewiston-Clarkston, Inc. is a debt collection company located in Lewiston, Idaho, with a second office in Clarkston, Washington. It opened for business in 1922, has less than 10 employers, and is managed by its President, Troy Ledgerwood.
An examination of records on file at the PACER (Public Access to Court Electronic Records) website reveals that people who believed they were being harassed by Credit Bureau of Lewiston-Clarkston, Inc. defended themselves in court.
Alleged Violations against Credit Bureau of Lewiston-Clarkston, Inc.
According to PACER, on September 14, 2016, Credit Bureau of Lewiston-Clarkston, Inc. filed a lawsuit against an Idaho resident to collect a medical debt valued at approximately $2,500.
The company allegedly claimed that he could not be located to serve the summons and complaint upon him, although he later insisted that he never received a phone call from Credit Bureau of Lewiston-Clarkston, Inc. asking him where he lived.
On October 26, 2016, the company ran a published summons in the Lewiston Morning Tribune for four weeks. When he did not respond, it sought and received a default judgment against him.
His wages were subsequently garnished, which he claimed was his first notice that Credit Bureau of Lewiston-Clarkston had any sort of claim against him.
The Idaho resident spoke to the original creditor and was able to obtain a charity waiver of the balance owed, but Credit Bureau of Lewiston-Clarkston continued to garnish him for interest, court costs, and attorney fees.
Feeling harassed by Credit Bureau of Lewiston-Clarkston, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA by using false, deceptive, and misleading means to collect a debt. The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of them appear on your caller ID, it means that you are being called by Credit Bureau of Lewiston-Clarkston, Inc.. If they file a lawsuit against you without giving you a reasonable chance to defend it, hire a consumer attorney who can help you file a claim against Credit Bureau of Lewiston-Clarkston, Inc.
If you win your case, you could receive $1,000 per FDCPA violation plus attorney's fees and court costs. When a collection agency goes too far, they could end up having to pay you instead.
*Case taken from PACER (pacer.gov). File number is Case 3:17-cv-00153-MWB from the United States District Court for the District of Idaho.
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 Lewiston-Clarkston, Inc. or any other third-party collection agency, you may not be entitled to any compensation.