Debt collectors are extremely persistent when it comes to collect debts. Unfortunately, some of the strategies that they use are illegal under federal law. If you find yourself on the receiving end of harassing calls, letters, and emails, know that the law is on your side.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) permits debt collectors to contact you regarding a debt, but they are not allowed to harass you. Below is a list of collection tactics that violate the FDCPA and can get an agency shut down.
- Using profane and abusive language
- Discussing the debt with anyone except the you, your attorney, spouse, or co-signer
- Calling you several times per day using an autodialer
- Calling at unreasonable and inconvenient hours
- Contacting you after you have formally requested that all communications cease
- Failing or refusing to prove a debt exists and they are authorized to collect it
Company Profile: CSO Financial Inc.
If you are being called by CSO Financial Inc., information about the company is below.
CSO Financial Inc. is a debt collection company located in Roseburg, Oregon, with branch offices across the state. It was originally established in 1912, has 20 to 49 employees, and is managed by its President, Mary Inscore.
Records on file at the PACER (Public Access to Court Electronic Records) website confirms that people who felt they were being harassed by CSO Financial Inc. did not hesitate to hire attorneys to help them assert their rights.
Alleged Violations against CSO Financial Inc.
Kelly Messick vs. CSO Financial Inc.*
According to PACER, on May 28, 2014, CSO Financial Inc. filed a collection lawsuit against Idaho resident Kelly Messick in the Circuit Court of the State of Oregon for Deschutes County.
The suit alleged that she owed $338.84 plus fees and costs on a debt owed to Umpqua Bank. Ms. Messick was a resident of Nez Perce County, Idaho at the time the complaint was filed, and claimed that she never signed any contracts with Umqua Bank in Oregon.
Feeling harassed by CSO Financial Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to file the lawsuit where she allegedly signed the contract sued upon or where she resided at the commencement of the action
- Using unfair and unconscionable means to collect a debt
The matter was later resolved.
Hire an Attorney
The phone number for this debt collection agency are:
If you see any of them on your caller ID when the phone rings, it means that you are being called by CSO Financial Inc.. If they file a lawsuit in a venue that does not cover your residence or the location where the alleged obligation was created, hire a consumer attorney.
If you file a claim against CSO Financial Inc., you could win $1,000 per FDCPA violation plus reasonable legal costs. Such awards remind debt collectors that disregarding the law is never an option.
*Case taken from PACER (www.pacer.gov). File number is Case 3:15-cv-00485-EJL from the United States District Court for the District of Idaho.
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 CSO Financial Inc. or any other third-party collection agency, you may not be entitled to any compensation.