Are you being called by Credit Bureau of York, Inc.?* Here's what you need to know
Incessant and aggressive contact from debt collectors is overwhelming. Eventually we reach a point where we don’t want to answer the phone or pick up the mail. It is important understand that collecting debts is legal but abusing people is not, and understanding your rights when it comes to debt collectors can go a long way towards easing your stress.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that gives you the right to dispute a debt and demand no further contact from the collection agency. It also prohibits debt collector from using methods like the following to pressure you into paying.
- Threatening legal actions they cannot take, such as having your property seized
- Revealing details about the debt to anyone but you, your spouse, attorney, and co-signers.
- Telling you that you can be arrested and imprisoned if you do not pay
- Contacting you directly even after you’ve hired an attorney to represent you in the matter
- Disguising the fact that they are debt collectors trying to collect a debt
- Using profane and obscene language
Company Profile: Credit Bureau of York, Inc.
If you are being called by Credit Bureau of York, Inc., information about the company is below.
Credit Bureau of York, Inc. is a debt collection company located in York, Pennsylvania. It opened for business in 1927, has less than 10 employees, and is managed by its President, Steven H. Gohn. According to the company website, it also does background checks and provides mortgage approval assistance. Litigation records viewable at the PACER (Public Access to Court Electronic Records) website indicates that consumers who felt they were being harassed by Credit Bureau of York, Inc. quickly stood up for themselves and sought legal recourse.
Alleged Violations against Credit Bureau of York, Inc.
According to PACER, in early October 2015 a Pennsylvania resident received a collection letter from Credit Bureau of York, Inc. She later alleged that it did not identify the sender as a debt collector, creating initial fear and confusion.
Feeling harassed by Credit Bureau of York, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
A judgement was ruled in favor of the plaintiff.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see any of them on your caller ID at any time, it means that you are being called by Credit Bureau of York, Inc.. If they fail to clearly identify themselves as debt collectors in all communications, contact a consumer attorney who can help you fight back. If you file a claim against Credit Bureau of York and win, you could be awarded $1,000 per FDCPA violation plus legal costs such as court and attorney fees. Let an attorney help you get the compensation you are entitled to.
*Case taken from PACER (pacer.gov). File number is Case 1:16-cv-01901-YK-JFS from the United States District Court for the Middle District of Pennsylvania.
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 York, Inc., or any other third-party collection agency, you may not be entitled to any compensation.