Are you being called by Credit Bureau of Ukiah, Inc.? Here's what you need to know
You’ve been attempting to make the minimum payments on your debts, but now that you’ve lost your job, it’s been mission impossible. Now debt collectors are calling you on a regular basis, threatening to sue you and garnish your wages if you don’t pay them. Fortunately there are ways to stop the harassment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from unethical debt collectors. Under the FDCPA, collection agencies may not use bullying or deceptive tactics like the following when collecting or attempting to collect a debt.
- Using profane or obscene language
- Threatening legal actions that they have no intention of taking
- Publicly posting details of a debt on social media and other public outlets
- Demanding outrageous ‘fees’ in addition to the original debt
- Calling you at work after you’ve told them that your employer won’t let you take such calls
- Claiming to be an attorney or a law enforcement official
Company Profile: Credit Bureau of Ukiah, Inc.
If you are being called by Credit Bureau of Ukiah, Inc., information about the company is below.
Credit Bureau of Ukiah, Inc. is a debt collection company located in Ukiah, California. It opened for business in 1972, has approximately 12 people on staff, and is managed by its President, James Pearce. Records of lawsuit filings retained by the PACER (Public Access to Court Electronic Records) website confirms that consumers who felt they were being harassed by Credit Bureau of Ukiah, Inc. did not hesitate to demand compensation for what they felt was unfair treatment.
Alleged Violations against Credit Bureau of Ukiah, Inc.
According to PACER, in or around early 2014, Credit Bureau of Ukiah, Inc. commenced collection efforts against a California resident. Before being contacted, she mailed a check in the amount of $22.70 directly to the creditor to be applied towards the debt. The collection letter she received in May 2014 did not reflect this payment, so she sent the company a letter, asking it to confirm whether it was collecting on the same account and whether her payment of $22.70 was accounted for and received.
With that same letter, she sent a post-dated check, dated May 30, 2014, in the amount of $128.32, which was the entire remaining balance of the debt. She also submitted a copy of the $22.70 check that she had sent directly to the creditor. Credit Bureau of Ukiah, Inc. cashed the check on May 20, 2014, ten days prior to the date on the check, which caused her to incur overdraft fees. When she informed the company of this fact, she was allegedly told that the money was owed, so the check was cashed.
Feeling harassed by Credit Bureau of Ukiah, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing, oppressive, and abusive means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire an Attorney
The phone number for this debt collection agency is 1-707-462-3811. If it appears on your caller ID in response to an incoming call, it means that you are being called by Credit Bureau of Ukiah, Inc.. If they use unethical tactics such as cashing postdated checks, contact a consumer attorney right away. If you decide to file a claim against Credit Bureau of Ukiah and win your case, you could receive $1,000 per FDCPA violation plus legal costs. If a debt collector harasses you, learn more about your rights and fight for them.
*Case taken from PACER (www.pacer.gov). File number is Case 1:14-cv-03291-NJV from the United States District Court for the Northern District of California.
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 Ukiah, Inc., or any other third-party collection agency, you may not be entitled to any compensation.