When a debt collector is harassing you on a daily basis, it can affect your entire life. Every day, consumers are embarrassed at work, sworn at, and threatened with lawsuits. If you are faced with a persistent and disrespectful debt collector, it’s important to know that you do have rights that include getting a free case evaluation from a consumer lawyer.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act protects you from being mistreated and hounded because you owe a debt. Any debt collector that uses these practices to collect your debt has broken the law and can be penalized.
- Using profane and obscene language
- Showing up at your house to intimidate you
- Disguising the fact that they are debt collectors trying to collect a debt
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you several times per day using an autodialer
- Reporting false information to the credit bureaus
Company Profile: Credit Solutions Corporation
If you are being called by Credit Solutions Corporation, more company details are below.
Credit Solutions Corporation is a debt collection agency in San Diego, California. It was established in 1997, has approximately 20 employees, and is managed by Michael Joplin. An inspection of litigation files at the PACER legal archive shows that those who believed that Credit Solutions Corporation was harassing them refused to be intimidated.
Alleged Violations against Credit Solutions Corporation**
According to PACER, on or around August 24, 2011, Credit Solutions Corporation sent a demand letter to a California consumer. He claimed that the notice requested payment in five days, which violated his dispute rights. The consumer sent a dispute letter and validation request on August 27, but claimed that the company sent him another demand letter instead of the validation package.
Feeling harassed by Credit Solutions Corporation, he hired a consumer lawyer and sued the company for:
- Not validating the debt
- Demanding payment during the dispute period
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collector are:
If it appears on your caller ID, Credit Solutions Corporation is trying to reach you about a debt you don’t believe you owe. If they ignore your requests for validation, see a consumer lawyer and file a claim against Credit Solutions Corporation. If you win your claim, you could receive $1000, so protecting your rights is the best way to bring harassment to an end.
**Case taken from PACER (pacer.gov). File number is Case 3:11-cv-02319-L-WMC from the United States District Court for the Southern District of California.
*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 Corporation or any other third-party collection agency, you may not be entitled to any compensation.