Are You Being Called By Credit Services of Oregon, Inc.? Here's What You Need to Know
Debt can overwhelm anyone. All it takes is a sudden job loss, serious injury, or a major financial setback to make it impossible to pay your credit card bills. Eventually your creditors may assign the accounts to debt collectors, who will chase you for payment. Some of them behave in reprehensible ways, hoping that you won’t realize that you have rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) prohibits third-party debt collectors from using bullying or deceptive methods to settle a debt. If they subject you to any of the following, they’re breaking the law.
- Using profane and abusive language
- Demanding outrageous ‘fees’ in addition to the original debt
- Telling you that you can be arrested and sent to prison if you don’t pay
- Calling at all hours of the day and night
- Contacting you even after you’ve ordered them to cease communications
- Demanding an amount that is not supported by law or the original debt agreement
Company Profile: Credit Services of Oregon, Inc.
If you are being called by Credit Services of Oregon, Inc., more information about this collection agency is below.
Credit Services of Oregon, Inc., which also does business as Kency Credit Service and CSO Financial, is a debt collection agency in Roseberg, Oregon, with offices in Eugene, Grants Pass, Lebanon, and North Bend. It opened its doors in 1912, has 102 employees, and is managed by its President, Mary Inscore. Archived records at the PACER website confirm that consumers who believed that they were being harassed by Credit Services of Oregon, Inc. responded with lawsuits.
Alleged Violations against Credit Services of Oregon, Inc.*
According to information on the PACER website, on or around May 28, 2014, Credit Services of Oregon, Inc. attempted to collect a debt by filing a lawsuit against an Idaho consumer in the Circuit Court of the State of Oregon for Deschutes County. On October 22, 2014, a deputy from the Nez Perce County, Idaho Sheriff's Office served the complaint on her, although she had never signed any contracts with the original creditor in Oregon.
Feeling harassed by Credit Services of Oregon, Inc., the consumer hired a lawyer and sued the company for filing a lawsuit against her in a county where she did not reside and did not sign a contract with the original creditor.
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If any of them flash on your caller ID, Credit Services of Oregon, Inc. has located your contact information and is trying to collect a debt from you. If they file a collection lawsuit against you in a county where you don’t reside, hire a consumer lawyer and file a claim against Credit Services of Oregon, Inc. You could be awarded $1,000 per FDCPA violation, plus court costs and attorney fees. It can really pay to fight back when debt collectors push you too far.
**Case taken from PACER (pacer.gov). File number is Case 3:15-cv-00485-EJL from the United States District Court for the District of Idaho.
*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 Services of Oregon, Inc. or any other third-party collection agency, you may not be entitled to any compensation.