When hard times hit, keeping up with your debt payments can be impossible. If a debt collection agency is harassing you by phone, calling you at work after being told to stop, and threatening you with lawsuits when they are trying to collect a debt, you can fight back by suing the debt collector.
Federal law allows for you to recover money when your rights are violated in this manner.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from unfair or abusive debt collection practices. It primarily covers personal, family and household debts and prohibits collection agencies from using ruses like those below to collect a debt.
- Swearing and using profane language
- Discussing the debt with your family, friends, and co-workers
- Pretending to be attorneys or police officers
- Refusing to validate the debt and prove that they are authorized to collect it
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Failing to report a debt as disputed to the credit bureaus
Company Profile: CSRS, Inc.
If you are being called by CSRS, Inc., information about the company and its operations are below.
CSRS, Inc. is a debt collection office located in Rockville, Maryland. It opened for business in 1992, has fewer than 10 employees, and is managed by its President, Howard Beloff. It coverage area is Maryland, Virginia, Washington D.C. and the surrounding areas.
Hire a Consumer Lawyer
The phone number for CSRS, Inc. is 1-301-670-5555. If it ever appears on your caller ID, it means that CSRS, Inc. is trying to contact you. If you dispute a debt and they fail to advise the credit bureaus accordingly, a consumer lawyer can help you file a claim against CSRS, Inc.
The FDCPA allows you to receive monetary compensation for each FDCPA violation, as well as your legal fees and additional damages paid. When a collection agency forgets your rights, litigation can serve as a wakeup call.
*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 CSRS, Inc. or any other third-party collection agency, you may not be entitled to any compensation.