A good portion of our monthly income often goes towards paying off debt. If we lose our jobs and even the minimum payments become impossible, debt collectors can soon start calling and bullying us for payment. If you are facing this type of harassment, Get a free case evaluation from a consumer attorney.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) orders debt collectors to behave professionally when attempting to collect a debt. Using tactics like the following can lead to fines and even get the offending agency shut down.
● Calling you at work
● Failing to identify themselves as debt collectors in every communication
● Threatening legal actions that they have no intention of taking
● Demanding payment for a time-barred debt
● Trying to collect an amount not authorized by law
● Cursing at you and calling you names
Company Profile: Credit Solutions of Kentucky, LLC
If you are being called by Credit Solutions of Kentucky, LLC, here are some additional company details.
Credit Solutions of Kentucky, LLC is a debt collection agency in Lexington, Kentucky. It was established in 2003, has 15 employees, and is managed by Chris Kindrick. Records maintained at the PACER website indicate that those who believed they were being harassed by Credit Solutions of Kentucky, LLC sued for compensation.
Alleged Violations against Credit Solutions of Kentucky, LLC
According to PACER, on or around January 25, 2017, Credit Solutions of Kentucky, LLC sent a collection letter to a Missouri consumer. However, that consumer had retained a lawyer on January 1, and the company had been sent a notice of counsel on the 13th.
Feeling harassed by Credit Solutions of Kentucky, LLC, the consumer took legal action against the agency for contacting him directly despite knowing that he had retained counsel.
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are
If you see them on your caller ID, Credit Solutions of Kentucky, LLC is on the line and may be trying to collect a debt from you. If they ignore the fact that you have legal representation, hire a consumer lawyer and file a claim against Credit Solutions of Kentucky, LLC. You could be awarded $1,000 per FDCPA violation, plus court costs and attorney fees. Debt collectors must obey the law during all collection attempts or face penalties.
*Case taken from PACER (www.pacer.gov). File number is Case 4:17-cv-00275-GAF from the United States District Court for the Western District of Missouri.
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 of Kentucky, LLC or any other third-party collection agency, you may not be entitled to any compensation.