No one enjoys hearing from a debt collector. When you are unable to pay what they are demanding, they can be rude, abusive, and disruptive.
Don’t be intimidated into doing anything you can’t afford. When debt collectors make you feel threatened or afraid, they’ve crossed the lines and you can make a complaint.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using unprofessional and unethical methods to collect money from you. Activities like those below can result in fines or, in extreme cases, license revocation:
- Using abusive or obscene language
- Contacting you after you have retained legal counsel with regards to the debt
- Contacting you at work despite knowing that personal calls are not allowed there
- Discussing your debt with anyone except you, your spouse or your attorney
- Demanding amounts not supported by law or the original creditor agreement
- Calling you at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. your time
Company Profile: DirectManagement, Inc.
If you are being called by DirecManagement, Inc., information about the company is below.
DirectManagement, Inc. is a debt collection company located in Mobile, Alabama. It was established in 1997, has approximately 38 employees, and is managed by its President, L. Wayne McBride. It is also a member of the Association of Credit and Collection Professionals.
Records retained at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by DirectManagement, Inc. filed lawsuits for alleged FDCPA violations.
Alleged Violations against DirectManagement, Inc.
Plaintiff vs. DirectManagement, Inc.*
According to PACER, an Alabama resident filed a Chapter 7 bankruptcy that included a medical debt. After she was discharged on June 23, 2014, DirecManagment, Inc. sent a collection letter to Longtine and demanded $394 for that debt.
Soon afterwards, the company called her in another debt collection attempt, even though it had been discharged in bankruptcy and her attorney’s contact information would be a matter record.
Feeling harassed by DirectManagement, 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
- Attempting to collect a debt that had been discharged in a bankruptcy.
The matter was later dismissed.
Hire an Attorney
The phone number for this collection firm are:
If you see any of these numbers on your caller ID when the phone rings, it means that you are being called by DirectManagement, Inc.. If they try to collect a debt that was discharged in bankruptcy, hire a consumer attorney.
If you file a claim against DirectManagement, Inc. and win, you could potentially be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages, making illegal debt collection practices an expensive mistake.
*Case taken from PACER (www.pacer.gov). File number is CASE 0:14-cv-02857-JRT-SER from the United States District Court for the District of Minnesota.
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 DirectManagement, Inc., or any other third-party collection agency, you may not be entitled to any compensation.