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By Contributing Author: Sergei Lemberg Updated on

Is Direct Debt Collections, Inc Calling You?*

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Is Direct Debt Collections, Inc calling you? Here’s what you need to know.

In a society driven by commerce and credit, falling into debt is easy. When you have a steady income, paying it off rarely poses a problem, but what if you lose your job or are unable to work for an extended period of time? After a certain number of missed payments, your creditors will likely turn the accounts over to a third-party collection agency, resulting in calls from debt collectors who may use abusive methods to get payments from you.

Legally, you don’t have to tolerate harassment. In September 1977 the US government passed the Fair Debt Collection Practices Act, or FDCPA, which allows you to dispute a debt and tell debt collectors to stop calling you. It also makes it illegal for third-party collection agencies to use methods like the following to make you pay.

  • Calling you before 8:00 a.m. and after 9:00 p.m. your time
  • Failing or refusing to validate the debt upon request
  • Discussing the debt with anyone except you, your spouse, or your attorney
  • Calling you at work when they know that your workplace won’t let you take such calls
  • Trying to collect an amount not authorized by law or by the original creditor agreement
  • Swearing at and threatening you with arrest or imprisonment
  • Threatening to ruin your credit rating unless the debt is paid.

Some debt collectors pursue debts as if the FDCPA doesn’t exist. Every year the Federal Trade Commission receives thousands of complaints about hostile and aggressive debt collectors.

Direct Debt Collections, Inc is a collection agency located in Pacific Palisades, California. It was established in 1992 and is a smaller agency, with under nine employees. A search of court records on file at the PACER (Public Access to Court Electronic Records) website indicate that Direct Debt Collections, Inc has been accused of breaching the FDCPA while attempting to collect consumer debt.

The phone number for Direct Debt Collections, Inc is 1-310-573-9944. If your phone rings and you see this number on your caller ID, a company representative is trying to contact you about a debt you allegedly owe. If they are reporting your debt to the collection bureaus without being involved in the actual collection, see a consumer attorney.

If you take Direct Debt Collections, Inc to court, you could win $1,000 in statutory damages per FDCPA violation, as well as court costs and attorney fees. The law requires debt collectors to be completely transparent when dealing with you, and if they aren’t, you have recourse under the law.

**Case taken from PACER (www.pacer.gov). File number is (Case: 1:08-cv-05993, from United States District Court, Northern District of Illinois, Eastern Division)

*Disclaimer:

The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Direct Debt Collections, Inc 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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