Debt collectors often blur the line between legal and illegal collection actions. They call you but don’t always stop there. Calls start coming on the hour, often sent via an autodialer. They don’t just talk you- they yell and threaten.
Knowing your rights can prevent you from being harassed into bankruptcy or worse by a debt collector.
Your Rights Under the FDCPA
In 1977 Congress passed a consumer protection law called the Fair Debt Collection Practices Act, or FDCPA. It regulated the collection activities of third-party debt collectors and penalizes any company that uses tactics like those below to collect money.
- Refusing to validate the debt and confirm their right to collect it
- Claiming to be police officers or federal agents
- Calling your friends and family and telling them about the debt
- Using an autodialer to send harassing calls to your phone
- Ignoring a written dispute
- Reporting inaccurate information to the credit bureaus
Company Profile: Credit Bureau of Eastern Idaho
If you are being called by Credit Bureau of Eastern Idaho, a general company history is below.
Credit Bureau of Eastern Idaho is a debt collection agency located in Rexburg, Idaho. It opened for business in 1984, has less than 10 employees, and is managed by its President, Ned Zollinger.
A careful review of lawsuit records at the PACER website confirms that consumers who believed they were being harassed by Credit Bureau of Eastern Idaho took steps to protect themselves.
Alleged Violations against Credit Bureau of Eastern Idaho
According to PACER, on or around August 29, 2014, Credit Bureau of Eastern Idaho sent a collection letter to an Arizona consumer seeking payment for a water and sewer bill. This debt had been discharged in an earlier Chapter 7 filing, so she became alarmed.
Feeling harassed by Credit Bureau of Eastern Idaho, the consumer filed an FDCPA lawsuit against the agency for the following alleged violations:
- Using false, deceptive, and misleading means to collect a debt
- Using abusive and harassing means to collect a debt
- Using unfair and unconscionable means to collect a debt
- The matter was later settled.
Hire a Consumer Lawyer
The phone number for this collection agency is 1- 208-356-9306. If it appears on your caller ID when the phone rings, it is confirmation that Credit Bureau of Eastern Idaho is on the line.
If they keep sending payment demands for a debt discharged in an earlier bankruptcy, act on your rights by hiring a consumer lawyer and filing a claim against Credit Bureau of Eastern Idaho. The company could be ordered to pay you statutory damages and cover your legal bills, so don’t tolerate abuse when you have alternatives.
Case taken from PACER (pacer.gov). File number is Case 2:14-cv-02185-DGC from the United States District Court for the District of Arizona.
*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 Eastern Idaho, or any other third-party collection agency, you may not be entitled to any compensation.