Is Delta Account Systems, Inc. calling you? Learn about your rights!
When you are so deep in debt that you can no longer make the minimum payments, the stress can be overwhelming. It gets worse when debt collectors get involved, as their collection methods can be aggressive to the point of abuse.
Should you find yourself in such a situation, be aware that you don’t have to tolerate bullying or harassment. The law says so.
Your Rights Under the FDCPA
If a collection agency is harassing you, they’re breaking the law and can be fined or even lose their license. The Fair Debt Collection Practices Act, or FDCPA, prohibits actions like the following when used to collect a consumer debt:
- Using profane and obscene language
- Calling you at work after you’ve told them that your workplace doesn’t allow such calls
- Contacting you if the debt collector is aware that you are being represented by an attorney
- Telling your friends, neighbors, and co-workers that you owe money
- Calling at all hours of the day and night
- Contacting you after you have sent a cease and desist letter
Company Profile: Delta Account Systems, Inc.
Delta Account Systems, Inc. is a debt collection company located in Bossier City, Louisiana. It was established in 2007, has less than 10 employees, and is managed by Jerry Markham. The company has a B rating with the Better Business Bureau due to allegedly unsatisfactory responses to consumer disputes.
Records of lawsuit filings retained by the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Delta Account Systems, Inc. stood up for themselves by going to court instead of paying.
Alleged Violations against Delta Account Systems, Inc.
Plaintiff vs. Delta Account Systems, Inc.**
According to PACER, in or about mid-2016, a Louisiana resident started receiving collection calls from Delta Account Systems, Inc. Messages left on his voicemail allegedly failed to identify themselves as a debt collector seeking to collect a debt.
Yeah, [Plaintiff], this is Randy Mitchell. If you would, give me a call. This is 318-741-1290. That’s 318-741-1290. If you could, [Plaintiff], make sure to return my call. This is Randy Mitchell. It’s important. Thank you.
During one conversation, a collector allegedly told the Plaintiff that an attorney was on the other line and giving instructions regarding filing suit on his account and that the only way to stop the filing that afternoon was to pay the account in full immediately.
When the Plaintiff asked if he could have a written explanation of the amounts that he owed Delta, the collector allegedly said, “We’re not gonna play that game with you.”
Feeling harassed by Delta Account Systems, Inc., the Plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Threatening legal action it was not in a position to take
- Using harassing and abusive means to collect a debt
- Failing to send a debt validation letter
- Failing to identify itself as a debt collector in all communications
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-318-741-1290. If you see it on your caller ID at any time, be aware that you are being called by Delta Account Systems, Inc.. If they attempt to mask their identity and purpose in voicemail messages and threaten lawsuits that never transpire, hire a consumer attorney.
Misleading consumers in this way is illegal, and should you file a claim against Delta Account Systems, Inc. with your attorney’s help, you could potentially win $1,000 per FDCPA violation in addition to legal costs and additional fees you may have incurred.
Do not hesitate to exercise the rights and protections that the law gives you.
**Case taken from PACER (www.pacer.gov). File number is Case 5:16-cv-01641-EEF-MLH from the United States District Court for the Western District of Louisiana, Shreveport Division.
*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 Delta Account Systems, Inc., or any other third-party collection agency, you may not be entitled to any compensation.