Are debt collectors calling you and leaving rude voice messages? Are they telling you that nonpayment can ruin your credit for life? This type of consumer bullying is completely illegal, and you can make it stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates how third-party agencies may collect a debt and prohibits actions like those below. Any debt collectors that violate its rules can be fined or shut down.
● Calling you outside of the hours of 8:00 a.m. - 9:00 p.m.
● Using profane or obscene language
● Failing to identify themselves as debt collectors
● Telling uninvolved third parties that you owe a debt
● Pretending to be police officers
● Ignoring a cease communications notice
Company Profile: Crown Holdings, LLC
If you are being called by Crown Holdings, LLC, here are some additional company details.
Crown Holdings, LLC, which also does business as Day Knight Associates, is a debt collection agency in Grover, Missouri. It was founded in 2001, has 19 employees, and is managed by Kevin Baich. The PACER website holdings include records showing that those who believed they were being harassed by Crown Holdings, LLC got a free case evaluation from a consumer lawyer and took the matter to court.
Alleged Violations against Crown Holdings, LLC
According to PACER, on or around May 3, 2010, Crown Holdings, LLC sent a collection letter to an Indiana consumer demanding payment for a debt owed to TruGreen. The original creditor had listed the debt as $32.05 but the agency was trying to collect $33.88.
Feeling harassed by Crown Holdings, LLC, the consumer hired a lawyer and sued the company for:
● Misrepresenting the amount of the debt
● Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are
If these numbers appear on your caller ID, you are being called by Crown Holdings, LLC If they demand more than the original debt amount, hire a consumer lawyer and file a claim against Crown Holdings, LLC. You could receive $1,000 per FDCPA violation plus attorney's fees and court costs. When debt collectors cross the line, a lawsuit can help you push them back.
*Case taken from PACER (www.pacer.gov). File number is Case 1:11-cv-00490-TWP-DML from the United States District Court for the Southern District of Indiana, Indianapolis 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 Crown Holdings, LLC or any other third-party collection agency, you may not be entitled to any compensation.