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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Delta Financial Services?*

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Are you being called by Delta Financial Services?* Here’s what you need to know.

While some people go into debt with the intention of never paying their bills, others are hardworking individuals who became ill, lost their jobs, or experienced a financial setback that made it impossible to stay current with their debt payments. Debt collectors don’t always differentiate- they will hound everyone equally. If they cross the line with you, you have standing to fight back.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to prevent third-party collection agencies from harassing consumers. Since then, collection methods like those listed below have been illegal and any debt collector that applies them can be barred from the profession.

  • Using profane or obscene language
  • Leaving messages that do not identify them as debt collectors
  • Calling you at work after you’ve told them that your employer won’t let you take such calls
  • Refusing to prove that a debt is valid and they are authorized to collect it
  • Ignoring a formal cease communications request
  • Calling at all hours of the day and night

Is Delta Financial Services?

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Company Profile: Delta Financial Services

If you are being called by Delta Financial Services, information about the company is below.

Delta Financial Services is a debt collection company located in Lafayette, Louisiana. It was established in 1985, has approximately 16 employees, and is managed by Guy Rials. A review of litigation records retained by the PACER (Public Access to Court Electronic Records) website confirms that many consumers who believed they were being harassed by Delta Financial Services sued the company for allegedly violating their rights.

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Alleged Violations against Delta Financial Services

Plaintiff vs. Delta Financial Services*

According to PACER, on or about March 26, 2014, Delta Financial Services sent a collection letter to a Georgia resident. The letter included a bolded headline that stated “FINAL DEMAND FOR PAYMENT” and further stated, in part, “Demand for this claim was sent to you previously. According to our records neither payment nor valid reason for non-payment has been received. We must make final disposition of this claim within ten days time. To avoid further measures remit by cash, check, or money order immediately.”

When the Plaintiff was unable to pay the debt, Delta Financial Services sent him another, nearly identical letter titled “FINAL DEMAND FOR PAYMENT”, leading him to conclude that the first communication had been calculated to alarm him and expedite payment.

Feeling harassed by Delta Financial Services, The Plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA by using false, deceptive, and misleading means to collect a debt.

The matter was later dismissed.

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Hire an Attorney

The phone numbers for this debt collection company are as follows:

If you are interrupted by an incoming call from any of these numbers, it means that you are being called by Delta Financial Services. If they send you letters calculated to cause alarm, don’t let yourself to pushed around and deceived. Hire a consumer attorney who can assist you in filing a claim against Delta Financial Services. If you win your case, you may be awarded $1,000 per FDCPA violation in addition to any applicable fees and costs. Fighting back when you know you are right can literally pay off.

*Case taken from PACER ( File number is Case 1:14-cv-03154-RWS from the United States District Court for the Northern District of Georgia, Atlanta 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 Financial Services, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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