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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Creditor’s Discount & Audit?*

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Are you being called by Creditor’s Discount & Audit?* Here’s what you need to know.

When people amass crushing debt levels, it is not always due to financial irresponsibility. They lose their jobs, become seriously ill, or experience a personal crisis that impacts their cash flow. Unfortunately, the collection agencies assigned to collect their debts often bully them for payment, ignoring the fact that indebted consumers have rights.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers from harassment and mistreatment by third-party collection agencies. This means that debt collectors are prohibited from using methods like the following to make you pay.

  • Calling you before 8:00 a.m. and after 9:00 p.m. your time
  • Using profane or obscene language
  • Discussing your debt with anyone except you, your spouse, or your attorney
  • Telling you that you have committed a crime and will be arrested if you don’t pay them right now
  • Pretending to be attorneys or police officers
  • Disguising the fact that they are debt collectors trying to collect a debt

Creditor's Discount & Audit

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Company Profile: Creditor’s Discount & Audit

If you are being called by Creditor’s Discount & Audit, information about the company is below.

Creditor’s Discount & Audit is a debt collection agency located in Streator, Illinois. It was established in 1976, has approximately 10 employees, and is managed by its President, John Murphy.The company is also a member of the Great Lakes Credit and Collection Association and the Association of Credit and Collection Professionals.

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Hire an Attorney

The phone number for this debt collection agency is 1-815-672-3176. If it appears on your caller ID in response to an incoming call, it means that you are being called by Creditor’s Discount & Audit. If they threaten legal action that never transpires solely to frighten you into paying, hire a consumer attorney. If you file a claim against Creditor’s Discount & Audit, you could end up being awarded $1,000 per FDCPA violation in addition to attorney fees and court costs. Owing money does not mean you deserve to be abused, a fact that collection agencies ignore at considerable cost.

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’s Discount & Audit, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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