Are You Being Called By Credit Solutions, LLC?*

Perhaps you owe the debt but cannot afford to pay it. Or maybe you dispute the amount and refuse to pay it. In some cases, the debt is not even yours. None of it really matters.

The debt collector continues to harass you because they want your money. If they don’t stop, you can recover damages for the harm they have caused you.

Your Rights Under the FDCPA

A consumer protection law called the Fair Debt Collection Practices Act (FDCPA) gives you the right to tell a collection agency to stop contacting you and sue them if they ignore you. You can also sue a debt collector that uses tactics like those below to get you to pay.

• Calling you at any inconvenient place or time, including before 8:00 a.m. or after 9:00 p.m.
• Using profane and obscene language
• Accusing you of having committed a crime
• Threatening you with violence
• Calling you at work if your employer prohibits such conduct
• Threatening you with lawsuits they have no intention of filing

Company Profile: Credit Solutions, LLC

If you are being called by Credit Solutions, LLC, more information about the agency is below.

Credit Solutions, LLC, which also does business as Creditone LLC, is a collection agency located in Metairie, Louisiana. It opened for business in 1998, has 15 employees on staff, and is managed by owner Thomas D’angelo.

A review of consumer litigation records at the PACER website suggests that consumers who felt they were being harassed by Credit Solutions, LLC obtained first advice and then representation from a consumer lawyer.

Alleged Violations against Credit Solutions, LLC

According to PACER, on or about March 21, 2002, Credit Solutions, LLC sent a collection letter to a New York consumer. The letter offered a special one-time only payment arrangement but stated that he had to take advantage of it before April 30, 2002.

This offer appeared to contradict his right to dispute and seek verification of the debt.

Feeling harassed by Credit Solutions, LLC, the consumer filed a lawsuit against the company for allegedly violating his rights in the following ways:

• Using false, deceptive, and misleading means to collect a debt
• Sending him a letter that appeared to violate his dispute rights

The matter was later dismissed.

Hire a Consumer Lawyer

The phone numbers for Credit Solutions, LLC are:

• 1-800-545-0795
• 1-800-863-4745

If they appear on your caller ID any time, Credit Solutions, LLC is reaching out, presumably about a debt they are trying to collect from you. If they send you payment arrangements or demands that violate your dispute rights, hire a consumer lawyer.

They will explain both state and federal debt collection laws to you and help you file a claim against Credit Solutions, LLC. The FDCPA requires collection agencies that violate its statutes to pay $1000 in per violation to the affected consumer, so you have nothing to lose when you enforce your rights.

Additional Resources

• What Do I Need to File an FDCPA Claim?
• Do I Need a Lawyer To Sue a Collection Agency?

Case taken from PACER (pacer.gov). File number is Case 1:02-cv-03921-RR-MDG from the United States District Court for the Eastern District of New York.

*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 Solutions, LLC or any other third-party collection agency, you may not be entitled to any compensation.