Are debt collectors calling you every day, and discussing your debt with your family and coworkers whenever they can’t reach you? Are they pretending to be police officers with a warrant for your arrest if you don’t pay? You don’t have to put up with such treatment- abuse by third party debt collectors is actually a violation of federal law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) insists that debt collectors behave professionally when attempting to collect a debt. Using tactics like the following can lead to fines and even a revocation of the agency’s license.
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Telling you that you can be arrested for nonpayment of a debt
- Ignoring a formal cease communications request
- Failing or refusing to validate the debt
- Calling you at work when your employer does not allow such calls
- Using profane and obscene language
Company Profile: Creditor Advocates, Inc.
If you are being called by Creditor Advocates, Inc., a brief overview of the company's history and operations is below.
Creditor Advocates, Inc. is a debt collection agency in Burnsville, Minnesota. It opened for business in 2010, has 45 employees, and is managed by owner Harrison Brown. The PACER website retains records suggesting that consumers who believed that they were being harassed by Creditor Advocates, Inc. engaged consumer attorneys to help them pursue compensation.
Alleged Violations against Creditor Advocates, Inc.*
According to information on the PACER website, in or around February 2013, a Minnesota consumer checked his credit report on Experian and discovered that Creditor Advocates, Inc. was reporting a medical bill he did not recognize. He filed a dispute with Experian, which would have notified the agency, but when the consumer checked his credit report again in June, the debt was still there and not marked as disputed.
Feeling harassed by Creditor Advocates, Inc., the consumer filed a claim against the company for allegedly:
- Communicating false credit information
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If either number appears on your caller ID when the phone rings, it is confirmation that you are being called by Creditor Advocates, Inc. If you dispute a debt and they fail to record it in your credit report, your next step should be hiring a consumer lawyer and filing a claim against Creditor Advocates, Inc. You could be awarded $1,000 per FDCPA violation, so don’t hang back when the law is on your side.
*Case taken from PACER (pacer.gov). File number is CASE 0:13-cv-01419-ADM-SER from the United States District Court for the District of Minnesota.
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 Creditor Advocates, Inc. or any other third-party collection agency, you may not be entitled to any compensation.