When we experience an unexpected financial setback, monthly debt that was once routine can overwhelm us. Eventually, debt collectors will start calling, and they can be ruthless when it comes to getting your money. It’s important to remember, however, that you have rights no matter how much you owe.
Your Rights Under the FDCPA
Prior to 1977, consumers were declaring bankruptcy simply to escape harassment by debt collectors. Congress responded by passing the Fair Debt Collection Practices Act, or FDCPA, which prevents collection agencies from using methods like the following to collect or attempt to collect a debt.
● Using profane and obscene language
● Pretending to be police officers or federal agents
● Telling your friends, neighbors and co-workers that you owe money
● Attempting to collect a debt that is in dispute
● Telling you that you can be arrested if you don’t pay a debt
● Failing to identify themselves as debt collectors
Company Profile: Law Offices of D. Scott Carruthers
If you are being called by the Law Offices of D. Scott Carruthers, an overview of the firm and its operations is below.
The Law Offices of D. Scott Carruthers is a debt collection law office in Stanton, California. It was established in 2010, has fewer than five employees, and is managed by D. Scott Carruthers. Records on consumer-initiated lawsuits at the PACER website indicate that those who believed they were being harassed by the Law Offices of D. Scott Carruthers knew that their rights were.
Alleged Violations against the Law Offices of D. Scott Carruthers
According to PACER, on or around October 10, 2014, the Law Offices of D. Scott Carruthers allegedly called a California consumer at her workplace to collect a debt. She told them that she could not receive their calls at work, but the communications allegedly continued. During one conversation on October 15, a collector allegedly told her that she could face prison time if she did not pay. On another occasion, a collector allegedly spoke to one of her coworkers.
Feeling harassed by the Law Offices of D. Scott Carruthers, the consumer filed a claim against the office for:
● Discussing her debt with third parties
● Calling her at an inconvenient place
● Claiming that she could be imprisoned for nonpayment of a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection law office is 1-800-495-8682. If it ever shows up on your phone’s caller ID, you are being called by the Law Offices of D. Scott Carruthers. If they harass you at work, contact a consumer lawyer for a free case evaluation and file a claim against the Law Offices of D. Scott Carruthers. You could potentially receive $1,000 per violation as well as attorney's fees, court costs, and any actual damages. When debt collectors use hostile collection practices, the law can help you protect your rights.
*Case taken from PACER (www.pacer.gov). File number is Case 8:14-cv-02025-JLS-DFM from the United States District Court for the Central District of California.
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 the Law Offices of D. Scott Carruthers or any other third-party collection agency, you may not be entitled to any compensation.