Is Dekalb County Solutions, Inc. calling you? You may want to know a few things.
Anyone can suffer a financial setback. One day, you're working regularly and making enough money to pay down your debts. The next, you are laid off or encounter a severe illness or injury that leave you unable to work.
Once you have missed a certain number of payments, the accounts will be turned over to third-party debt collectors, who will start calling and sending letters.
Your Rights Under the FDCPA
Prior to 1977, so many people were going bankruptcy to escape from abusive debt collectors that Congress passed Fair Debt Collection Practices Act, or FDCPA.
This consumer protection law made it illegal for debt collectors to use tactics and ruses like the following when trying to collect a debt.
- Calling you before 8:00 a.m. and after 9:00 p.m. in the your time zone
- Contacting you after you have sent a cease and desist letter (unless it is to advise you that legal action is commencing or collection activities have stopped)
- Threatening to have you arrested for nonpayment of the debt
- Using profane and abusive language
- Calling you at work after being informed that your boss does not permit such calls
- Contacting you for payment after you have formally disputed the debt
Company Profile: Dekalb County Solutions, Inc.
Dekalb County Solutions, Inc. is a debt collection agency located in Sycamore, Illinois. It was established in 2006, has less than 10 employees, and is managed by its President, Scott Franson. According to litigation records archived at the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Dekalb County Solutions, Inc. chose to stand up for themselves in court.
Alleged Violations against Dekalb County Solutions, Inc.
Plaintiff vs. Dekalb County Solutions, Inc.**
According to PACER, Dekalb County Solutions, Inc. sent a Connecticut resident a collection letter dated dated September 6, 2012. Not only was this debt disputed, but the Illinois-based agency allegedly was not licensed to collect debts in Connecticut at the time.
Feeling harassed by Dekalb County Solutions, Inc., The Plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA by seeking to collect from her when it was not in a legal position to do so. The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are:
If either number appears on your caller ID when the phone rings, it means that you might be getting a call from Dekalb County Solutions, Inc.. If they call you and send letters even if they are not licensed to collect debts in your state, hire a consumer attorney. Such activities are illegal under the FDCPA, and if you file a claim against Dekalb County Solutions, Inc.
and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. Even if you do owe money, collectors must obey the law when attempting to collect it, or pay a price of their own.
**Case taken from PACER (www.pacer.gov). File number is Case 3:13-cv-00058-SRU 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 Dekalb County Solutions, Inc., or any other third-party collection agency, you may not be entitled to any compensation.