Debt collectors have a reputation for being nasty and demanding when trying to get consumers to pay a debt. If you are being treated in this manner, it’s important to know that the collector is breaking the law and you have the right to sue. Here’s what you need to know about your rights so that you can stand up for yourself when they call again.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates the ways that third-party debt collectors may collect a consumer debt. Abusive and duplicitous tactics like the following can result in a fine and even loss of the agency’s license.
- Using obscene or profane language
- Threatening action they are not in a position to legally take
- Calling your friends, neighbors, and co-workers and telling them that you owe a debt
- Reporting inaccurate information to the credit bureaus
- Trying to collect after you have formally disputed a debt
- Refusing to validate the debt and prove that they are authorized to collect it
Company Profile: Credit Bureau Systems, Inc.
If you are being called by Credit Bureau Systems, Inc., information about the company is below.
Credit Bureau Systems, Inc. is a debt collection agency located in Paducah, Kentucky. It was established in 1952, has approximately 400 employees in 24 states, and is managed by its President, Mark Edwards.
According to case files viewable at the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Credit Bureau Systems, Inc. stood up for themselves by hiring an attorney and demanding compensation.
Alleged Violations Against Credit Bureau Systems, Inc.
According to PACER, in or around mid-2013, Credit Bureau Systems, Inc. allegedly sent a collection letter to a Kentucky resident. During this phone conversation, a collector allegedly demanded that she pay the debt in full immediately.
When she said she could not afford to do so and offered to make monthly payments instead, the other party allegedly refused to accept her payments and threatened to garnish her wages.
Feeling harassed by Credit Bureau Systems, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA by:
- Using harassing, oppressive, and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Threatening legal action it could not take
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed .
Hire an Attorney
The phone numbers for this collection agency are:
If either of them appears on your caller ID, be aware that you are being called by Credit Bureau Systems, Inc. If they threaten actions they cannot legally take, like garnishing your wages, don’t tolerate any more abuse. Instead, hire a consumer attorney.
If you file a claim against Credit Bureau Systems, Inc. and win, a judge could award you $1,000 per FDCPA violation plus any other associated costs. The law gives you rights that you should always be prepared to act upon.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Credit Bureau Systems, Inc. or any other third-party collection agency, you may not be entitled to any compensation.
**Case taken from PACER (www.pacer.gov). File number is Case: 6:13-cv-00086-DLB-HAI from the United States District Court for the Eastern District of Kentucky, London Division.