Are you being called by Credit and Collections Solutions, Inc.?* Here's what you need to know.
The Association of Credit and Collection Professionals once estimated that debt collectors make literally millions of calls to indebted consumers every year. Unfortunately, many of these communications involve abusive language and harassing conduct on the part of the collection agency, leaving their victims disoriented and afraid. If you find yourself on the receiving end of such treatment, you can fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to prevent third-party debt collectors from bullying consumers. Under the FDCPA, collection tactics like the following are illegal and offenders risk significant consequences.
- Using profane or obscene language
- Reporting false information to the credit bureaus
- Failing or refusing to identify themselves as debt collectors trying to collect a debt
- Demanding outrageous amounts that exceed the amount of the original debt
- Discussing the debt with anyone except you, your spouse, or your attorney
- Pretending to be police officers or federal agents to frighten debtors into paying
Company Profile: Credit and Collections Solutions, Inc.
If you are being called by Credit and Collections Solutions, Inc. information about the company is below.
Credit and Collections Solutions, Inc. is a collection agency located in Redondo Beach California. It was established in 1999, has 10-19 employees, and appears to collect subscription-related debt for companies like Worldwide Preferred Publisher Service Inc. According to records on file at the PACER (Public Access to Court Electronic Records) website, several consumers who believed they were being harassed by Credit and Collections Solutions, Inc. sued the company to assert their rights.
Alleged Violations against Credit and Collections Solutions, Inc.
According to PACER, sometime in early 2008 Credit and Collections Solutions, Inc. sent Michigan resident William Henry collection notices for magazine subscriptions he denied signing up for. He later claimed that the agency never sent him a validation notice and used an automated telephone dialing system to repeated call him multiple times a day and sometimes several days in a row.
Feeling harassed by Credit and Collections Solutions, Inc., Mr. Henry hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using an autodialer to harass him
- Using oppressive, harassing, or abusive means to collect a debt
- Using unfair or unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Failing to send a debt validation notice
The matter was later dismissed.
Hire an Attorney
The phone number for this collection agency are:
If the phone rings and either one shows up on your caller ID, it means that you are being called by Credit and Collections Solutions, Inc.. If they persist in trying to collect a debt that you never knowingly incurred, hire a consumer attorney. If you file a claim against Credit and Collections Solutions, Inc. and win, you could potentially be awarded $1,000 per violation as well as any legal costs, making the agency's decision to harass you an expensive one.
*Case taken from PACER (www.pacer.gov). File number is 5:08-cv-13537-JCO-DAS from the United States District Court for the Eastern District of Michigan, Southern Division.
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 and Collections Solutions, Inc., or any other third-party collection agency, you may not be entitled to any compensation.