Are you so sick of being called and harassed by debt collection agencies that you’re thinking of declaring bankruptcy to make it stop? While bankruptcy can provide you with a fresh start when you’re overwhelmed by debt, there are other ways of bringing unwanted communications from debt collectors to an end.
Your Rights Under the FDCPA
In 1977 the Fair Debt Collection Practices Act, or FDCPA, was passed to regulate how collection agencies should conduct themselves while collecting debts. If you are subjected to any of the following actions, that debt collector is breaking the law and can be penalized.
- Contacting you outside of 8:00 a.m. and 9:00 p.m.
- Refusing to cease communications upon request
- Discussing the debt with your coworkers, neighbors, and friends
- Leaving voice messages that do not identify the collector and the purpose of their call
- Demanding amounts that exceed the original debt
- Threatening legal action they have no intention of taking
Company Profile: Creditech, Inc.
If you are being called by Creditech, Inc., information about the company and its operations are below.
Creditech, Inc. is a debt collection agency located in Bangor, Pennsylvania. It started in 1936, has a small staff of 15, and is managed by its President, Vivian Moyer. According to the company website, it has a 300,000 square foot operations center located on the western edge of New York metro area.
Litigation files archived at the PACER website indicates that many consumers who felt that they were being harassed by Creditech, Inc. hired consumer lawyers to file claims of their own.
Alleged Violations against Creditech, Inc.
According to PACER, in or around mid-2011, Creditech, Inc. began trying to collect a debt from a Pennsylvania consumer. She reported that company collectors left at least two messages on her answering machine that did not identify the company they worked for or the reason for their call.
Feeling deceived and harassed by Creditech, Inc., the consumer sued the company for violating the FDCPA by using false, deceptive, and misleading means to collect a debt.
The matter was then dismissed.
Hire a Consumer Lawyer
The phone numbers for Creditech, Inc. are:
If you see them on your caller ID, it means that Creditech, Inc. is trying to contact you about a debt you allegedly owe. If they leave voice messages calculated to make you return their call, contact a consumer lawyer to review your options.
If you file a claim against Creditech, Inc., you can ask for up to $1,000 in statutory damage per incident, so don’t be pushed around when the law is on your side.
Case taken from PACER (www.pacer.gov). File number isCase 3:11-cv-00647-EMK from the United States District Court for the Middle District of Pennsylvania.
*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 Creditech, Inc., or any other third-party collection agency, you may not be entitled to any compensation.