Collection agencies can be ruthless when it comes to getting your money, because when you pay, they get paid. Consequently, they often belittle and harass people who fail to pay immediately and in full. If this happens to you, your remedies include suing the agency for violating your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that requires third-party collection agencies to conduct themselves professionally when communicating with you about a debt. Abusive approaches like those listed below are illegal and can result in significant penalties.
- Using profane and abusive language
- Calling you several times per day using an autodialer
- Demanding amounts that exceed the amount of the original debt
- Leaving voice messages that do not identify the collector and the reason for their call
- Revealing details about the debt with anyone but you, your spouse, or your attorney
- Pretending to be attorneys, police officers, or federal agents
Company Profile: Credit Bureau of Twin Falls, Inc.
If you are being called by Credit Bureau of Twin Falls, Inc., information about the company is below.
Credit Bureau of Twin Falls, Inc., which also does business as the Idaho Collection Bureau, is a debt collection company located in Twin Falls, Idaho. It opened for business in 1982, has 10 to 19 employees, and is managed by its owner, Pat Hughes.
The agency advertises itself as a member of ACA International and the Idaho Collectors Association. Records retained by the PACER (Public Access to Court Electronic Records) website reveals that people who felt they were being harassed by Credit Bureau of Twin Falls, Inc. refused to yield to pressure and sued the company to assert their rights.
Alleged Violations against Credit Bureau of Twin Falls, Inc.
Brad Bellem vs. Credit Bureau of Twin Falls, Inc.*
According to PACER, on or about July 14, 2015, Credit Bureau of Twin Falls, Inc. sent a collection letter to Idaho resident Brad Bellem.The letter, which was produced as an exhibit, stated that debt verification would be provided if the request was made within 30 days, but it would serve Mr. Bellem’s best interest to pay the debt immediately and disputes must be made in writing.
Feeling harassed by Credit Bureau of Twin Falls, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Wording the letter in such a way that a consumer might assume they only had 30 days from the date of the letter, as opposed to its receipt
- Stating that a dispute must be in writing when this is not a requirement of the FDCPA
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-208-733-2128. If you see it on your caller ID, it means that you are being called by Credit Bureau of Twin Falls, Inc.. If they send you a collection letter that misrepresent your dispute rights, contact a consumer attorney.
This type of deception is illegal under the FDCPA, and if you file a claim against Credit Bureau of Twin Falls, Inc., you could win $1,000 per FDCPA violation. Don’t let a collection agency push you to bankruptcy. Instead, push them into owing you money instead.
*Case taken from PACER (www.pacer.gov). File number is Case 1:15-cv-00323-BLW 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 Twin Falls, Inc. or any other third-party collection agency, you may not be entitled to any compensation.