When a debt collector gets you on the phone, they usually demand immediate payment in full. Don’t let yourself be intimidated. When they treat you in this manner, they are counting on the likelihood that you don’t know your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires collection agencies to be civil during their interactions with you, but not all debt collectors comply. Behaviors like those listed below are illegal and can even get repeat offenders shut down.
● Harassing you over a debt that you never incurred
● Calling you at work
● Threatening to garnish your wages
● Calling you rude and obscene names
● Pretending to be attorneys or members of law enforcement
● Talking about the debt with your friends, family, and neighbors
Company Profile: CUDA & Associates
If you are being called by CUDA & Associates, here is some more information about who you are dealing with.
CUDA & Associates, which also does business as DRB, is a collection agency in North Haven, Connecticut. It opened its doors in 2014, has fewer than 10 employees, and is managed by David J. Maczka. It also has a B+ rating with the Better Business Bureau. A case search at the PACER website shows that consumers who felt harassed by CUDA & Associates pursued justice.
Alleged Violations against CUDA & Associates*
According to information on the PACER website, on or around April 1, 2008, CUDA & Associates filed an application with the Connecticut Superior Court for a financial institution execution on the matter of a consumer debt. She had already made payments on the debt, but the agency allegedly did not include those payments in the amount claimed.
Feeling harassed by CUDA & Associates, the consumer engaged an attorney and sued the agency for:
● Using false, deceptive, and misleading collection methods
● Claiming an amount she did not owe
The case was later settled.
Hire a Consumer Lawyer
The phone number for CUDA & Associates is 1-203-248-5581. Seeing it on your caller ID means that CUDA & Associates is on the line. If they try to collect more money from you than you legally owe, hire a consumer lawyer and file a claim against CUDA & Associates. You could potentially be awarded $1,000 per violation, which can add up. Your rights as a consumer must be respected, or the agency could be the one owing money.
*Case taken from PACER (www.pacer.gov). File number is Case 3:09-cv-00483-DJS from the United States District Court for the District of Connecticut.
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 CUDA & Associates or any other third-party collection agency, you may not be entitled to any compensation.