Are you being called by Credit World Services, Inc.? Learn how to protect yourself from predatory debt collectors!
If debt collectors are harassing you constantly about an obligation, you may feel like declaring bankruptcy to make the rude calls and letters stop.
Before you take that step, however, consult a consumer attorney, because it is illegal for collection agencies to harass indebted consumers, and you may have grounds to sue.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a consumer protection law that regulates what third-party debt collectors may say and do when trying to collect a debt from you. It prohibits abusive tactics like those below:
- Calling at all hours of the day and night
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Using profane or obscene language
- Failing or refusing to identify themselves as debt collectors trying to collect a debt
- Demanding amounts not supported by law or the original creditor agreement
Company Profile: Credit World Services, Inc.
Credit World Services, Inc. is a debt collection agency located in Mission, Kansas. It was established in 1978, has approximately 35 employees, and is managed by its President, Kelly Wilkinson.
The consumer-initiated lawsuits at the PACER (Public Access to Court Electronic Records) website suggests that several people who believed they were being harassed by Credit World Services, Inc. fought back in court.
Alleged Violations by Credit World Services, Inc.
Reva Stewart vs. Credit World Services, Inc. et al**
According to PACER, in or around mid-2009, Missouri resident Reva Stewart allegedly received several collection calls from Credit World Services, Inc. She later complained that even after she had retained legal counsel regarding the debt and provided the company with her attorney’s details, the direct calls still continued.
Feeling harassed by Credit World Services, Inc., Ms. Stewart hired a consumer attorney and sued the company for allegedly violating the FDCPA by:
- Calling her directly after being informed that she was represented by an attorney
- Using harassing and oppressive means to collect a debt
- Using unfair and unconscionable means to collect a debt
Hire an Attorney
The phone number for this collection agency is 1-913-362-3950. If you see it on your caller ID in response to an incoming call, let it serve as an alert that you are being called by Credit World Services, Inc.
If they persist in calling you directly after you have retained an attorney’s assistance with the debt, hire a consumer attorney. Harassing consumers is illegal, and if you file a claim against Credit World Services, Inc., you may be awarded $1,000 per FDCPA violation and any damages and costs deemed reasonable by the court.
When a collection agency goes too far, the law helps you assert your rights and receive compensation in the process.
**Case taken from PACER (www.pacer.gov). File number is Case 4:09-cv-00954-DW from the United States District Court for the Western District of Missouri, Western 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 World Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.