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
In 1977 Congress passed the Fair Debt Collection Practices Act to protect consumers. Since then, it has been illegal for a collection agency to do the following while attempting to collect a debt:
● Calling at inconvenient times
● Yelling at you
● Failing to validate the debt
● Using profane or obscene language
● Calling you at work without approval
● Pretending to be police officers
Company Profile: Credit Protection Association
If you are being called by Credit Protection Association, here are some additional details about the company.
Credit Protection Association is a collection agency located in Dallas, Texas. It opened for business in 1977, has 25 employees, and is managed by Doug Bridge. Files archived at the PACER website reveal that consumers who felt harassed by Credit Protection Association chose to take action.
Alleged Violations against Credit Protection Association*
According to information on the PACER website, on or around early 2015 Credit Protection Association started calling an Arkansas consumer to collect a debt. She insisted that she was not the party they were looking for, but the calls kept coming.
Feeling harassed by Credit Protection Association, the consumer took legal action against the agency for harassing her by phone.
The case was later settled.
Hire a Consumer Lawyer
The phone number for Credit Protection Association is 1-800-800-6499. If it shows up on your caller ID, Credit Protection Association is trying to reach you. If they chase you over a debt you don’t own, hire a consumer lawyer and file a claim against Credit Protection Association. You could potentially be awarded $1,000 per violation, which can add up. If the court rules in your favor, the company could be ordered to pay you $1,000 for harassing you, so don’t let a collection agency frighten you into inaction.
*Case taken from PACER (www.pacer.gov). File number is Case 1:15-cv-00036-JM from the United States District Court for the Eastern District of Arkansas, Northern Division.
- Debt Collection Agencies in the United States
- Did A Collection Agency Make False Statements Regarding Your Debt?
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 Protection Association or any other third-party collection agency, you may not be entitled to any compensation.