Being chased and hounded by debt collectors can be distressing, but never forget that you have rights. The law limits what collection agencies may do when attempting to settle a debt, but many of them would prefer that you not know this.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits third-party collection agencies from using pressure tactics like those below when dealing with you. If you’re dealing with a debt collector that ignores this fact, contact a consumer attorney.
● Calling you outside of the hours of 8:00 a.m. to 9:00 p.m.
● Threatening to damage your reputation and credit rating
● Use profane or obscene language
● Leaving vague voice messages
● Contacting you when you have an attorney
● Contacting you after you have sent a cease and desist letter
Company Profile: Credit Management Control
If you are being called by Credit Management Control, here are some additional details about the company.
Credit Management Control is a collection agency located in Saint Paul, Minnesota. It was opened for business in 2004, has fewer than five employees, and is managed by Ken Piatt. A review of documents archived at the PACER website suggest that consumers who felt harassed by Credit Management Control chose to file claims.
Alleged Violations against Credit Management Control*
According to information on the PACER website, on or around March 18, 2016, Credit Management Control attempted to collect a debt from an Illinois consumer. He asserted that the obligation had been included in a February bankruptcy filing, making its collection illegal.
Feeling harassed by Credit Management Control, the consumer retained a lawyer and sued the agency for:
● Demanding payment for a discharged debt
● Misrepresenting the legal status of the debt
The case was later settled.
Hire a Consumer Lawyer
The phone number for Credit Management Control is 1-800-483-2361. Seeing it on your caller ID is an indicator that Credit Management Control is on the line. If they try to collect a debt that was included in a Chapter 7 filing that they had reason to know about, hire a consumer lawyer and file a claim against Credit Management Control. You could potentially be awarded $1,000 per violation, which can add up. Any debt collector that violates the FDCPA can be ordered to compensate you, so don’t let fear hold you back.
*Case taken from PACER (www.pacer.gov). File number is Case: 1:16-cv-03628 from the United States District Court for the Northern District of Illinois, Eastern Division.
- Did A Collection Agency Make False Statements Regarding Your Debt?
- Debt Collection Agencies: Cr-Cy Collection Agencies
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 Management Control or any other third-party collection agency, you may not be entitled to any compensation.