Although there are laws in place to protect consumers, a disturbing number of debt collectors ignore them because bullying and aggression get them the results they want. However, if you’re being harassed, understand that a free consultation with a consumer lawyer can bring the unwanted contact to an end.
Your Rights Under the FDCPA
Although the Fair Debt Collection Practices Act requires debt collectors to treat you fairly, complaints to the Federal Trade Commission suggest that the following activities are the norm.
- Using profane or obscene language
- Using an autodialer
- Contacting you directly when you have a lawyer
- Saying that they will file a lawsuit that day if you don’t pay
- Harassing you over a debt that isn’t yours
- Reporting false information to the credit bureaus
Company Profile: Designed Receivable Solutions
If you are being called by Designed Receivable Solutions, agency details are below.
Designed Receivable Solutions is a debt collection agency in La Palma, California. It was founded in 2001, employs 25 people, and is overseen by Dan Eder. According to the agency’s website, it specializes in healthcare debts. Files at the PACER archive reveal that those who believed that Designed Receivable Solutions took their case to court.
Alleged Violations against Designed Receivable Solutions**
According to PACER, on or around April 4, 2014, a New York consumer ran her credit report and found a tradeline being reported by Designed Receivable Solutions. She disputed the debt and demanded validation, but when she ran her credit report again on September 26, 2014, the dispute was allegedly not noted.
Feeling harassed by Designed Receivable Solutions, the consumer sued the firm for:
- Failing to update her credit file and note the amount as disputed
- Using unfair means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection law firm are:
If you happen to see them on your caller ID at home or the office, Designed Receivable Solutions may be following up on a debt they have been assigned to collect. If they don’t relay your dispute to the credit bureaus, hire a consumer lawyer and file a claim against Designed Receivable Solutions. A judge could award you damages of $1,000 per violation plus costs associated with pursuing the action, so know your rights and act on them.
**Case taken from PACER (pacer.gov). File number is Case 1:14-cv-07560-WFK-RML from the United States District Court for the Eastern District of New York.
*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 Designed Receivable Solutions or any other third-party collection agency, you may not be entitled to any compensation.