Is Credit Service Company, Inc. harassing you? Find out what you need to defend your rights!
If debt collectors are contacting you constantly about an overdue obligation, you may feel like declaring bankruptcy to make the calls and letters stop.
Before you take that drastic step, however, meet with a consumer attorney to review your options, because it is illegal for collection agencies to harass indebted consumers.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a consumer protection law that regulates what third-party debt collectors may say and do when trying to collect a debt from you. It prohibits abusive tactics like those below.
- Using profane or obscene language
- Failing or refusing to identify themselves as debt collectors trying to collect a debt
- Demanding amounts not supported by law or the original creditor agreement
- Calling at all hours of the day and night
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Leaving vague messages that do not identify the caller as a debt collector
Company Profile: Credit Service Company, Inc.
Credit Service Company, Inc. is a debt collection agency located in Colorado Springs, Colorado. It was established in 1947, has 20 to 49 employees, and is managed by its CEO, David Cannella.
It advertises itself as the largest agency in Colorado Springs. Litigation files viewable at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Credit Service Company, Inc. refused to tolerate abuse and chose to fight back.
Alleged Violations against Credit Service Company, Inc.
According to PACER, in January 2011, a Texas resident noticed that Credit Service Company, Inc. had placed a negative entry on her credit report for a debt she did not incur. She contacted the company to state that she was unaware of the debt and believed that it belonged to her ex-husband.
She later complained that the representative used hostile and abusive language, saying that she was a bad mother and an unfit parent, and that she must not want to “own up to her obligations.”
Feeling harassed by Credit Service Company, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using abusive language
- Misrepresenting the character, amount and legal status of the debt.
- Failing to send a debt validation notice
Hire an Attorney
The phone numbers for this collection agency are:
If you see any of them on your caller ID in response to an incoming call, it means that you are being called by Credit Service Company, Inc.. If they use abusive language when you refuse to pay a debt that is not yours hire a consumer attorney right away.
Harassing consumers is illegal under the FDCPA, and if you file a claim against Credit Service Company, Inc., you could potentially be awarded $1,000 per FDCPA violation in addition to statutory damages and legal costs.
When a collection agency goes too far, the law helps you assert your rights and makes you eligible for compensation in the process.
**Case taken from PACER (www.pacer.gov). File number is Case 4:11-cv-03882 from the United States District Court for the Southern District of Texas, Houston 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 Service Company, Inc., or any other third-party collection agency, you may not be entitled to any compensation.