If you lose your job and have a hard time finding another one, your monthly bills (credit cards, student loans, medical debt) can go into arrears. If this happens, your creditors may assign or sell them to a third-party debt collector.
These companies are not always ethical in their collection methods, but if they harass you in any way, you have grounds to file a claim under the FDCPA.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, provides you with legal protection no matter how much you owe. Any debt collector that uses these types of collection strategies on you can be fined thousands of dollars and closed permanently.
- Yelling and using obscene language
- Demanding that you pay a debt discharged in an earlier bankruptcy
- Calling you at inconvenient times and places
- Saying they will garnish your wages without a court order
- Calling you at work when your employer does not allow such calls
- Pretending to be police officers or federal agents
Company Profile: Credit Service of Logan, Inc.
If you are being called by Credit Service of Logan, Inc., more information about this collection agency is below.
Credit Service of Logan, Inc. is a debt collection agency located in Logan, Utah. It was established in 1973, has fewer than 10 employees on staff, and is managed by Teresa L. Maughan.
Lawsuit dockets at the PACER website confirm that people who believed they were being harassed by Credit Service of Logan, Inc. demanded compensation in court.
Alleged Violations against Credit Service of Logan, Inc.
According to PACER, on or around March 30, 2016, Credit Service of Logan, Inc. send a collection letter to a Utah consumer seeking payment for a medical debt.
It advised her to pay the balance in full within 20 days or risk further collection activity, but the law gave her 30 days to dispute the validity of the alleged debt.
Feeling harassed by Credit Service of Logan, Inc., the consumer filed an FDCPA lawsuit against the company for the following alleged violations:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Misleading her on her dispute rights
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
Any time they appear on your caller ID, it means that Credit Service of Logan, Inc. is calling you. If they mislead you on your dispute rights, don’t be intimidated. Contact a consumer attorney to discuss your options, which include filing a claim against Credit Service of Logan, Inc.
You could receive $1,000 per statutory violation plus court costs and attorney fees, so when your rights are violated, act to defend them.
Case taken from PACER (pacer.gov). File number is Case 1:16-cv-00116-BSJ from the United States District Court for the District of Utah, Northern 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 of Logan, Inc., or any other third-party collection agency, you may not be entitled to any compensation.