Are you being called by Credit Service International Corp.?* Here's what you need to know.
Many people are being chased by collection agencies. The debt collectors working for them also seem to conveniently forget that even though you may owe a debt, you still have rights. It’s a mistake that can cost them a lot.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA. This consumer protection law gave indebted consumers made it illegal for third-party debt collectors to use pressure tactics like those below.
- Calling at unreasonable and inconvenient hours
- Threatening action they are not in a position to legally take
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Using profane and obscene language
- Harassing you by telephone (e.g. calling and hanging up)
- Disguising the fact that they are debt collectors trying to collect a debt
Company Profile: Credit Service International Corp.
If you are being called by Credit Service International Corp., information about the company is below.
Credit Service International Corp. is a debt collection company located in Hudson, Wisconsin. It was established in 1962, has less than 10 employees, and is managed by its President, John Hanson. A review of the records digitized and retained by the PACER (Public Access to Court Electronic Records) website suggests that some consumers who believed they were being harassed by Credit Service International Corp. dealt with the payment demands by going to court.
Alleged Violations against Credit Service International Corp.
According to PACER, in December 2014 a Wisconsin resident received a collection letter from Credit Service International Corp. It demanded payment for a rental debt and added, “We do and will utilize whatever means necessary and permissible by law to protect our client’s interest and collect this debt.”
The original judgment was for $1,060.80 but the collection letter demanded $1,675.51. When she requested verification of the debt, she received an itemized statement with costs for legal fees for the eviction (dated before and after the judgment) and costs for cleaning a carpet, which she claimed was only dirty due to normal wear and tear.
Feeling harassed by Credit Service International Corp., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Attempting to collect an amount not permitted by law
- Using false, deceptive and misleading means to collect a debt
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
Should you see either one on your caller ID, it means that you are being called by Credit Service International Corp.. If they try to make you pay a debt that is not legally enforceable, see a consumer attorney. If you file a claim against Credit Service International Corp. and win, you could be awarded $1,000 per FDCPA violation plus reasonable legal expenses. Don’t be intimidated by an aggressive debt collector: there are legal ways of making their harassment stop.
*Case taken from PACER (www.pacer.gov). File number is Case: 3:15-cv-00270-jdp from the United States District Court for the Western District of Wisconsin.
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 International Corp., or any other third-party collection agency, you may not be entitled to any compensation.