When you are unable to pay your debts, you may encounter collectors who will threaten you, call you at all hours or embarrass you in front of your co-workers. While this is upsetting, don’t be so stressed and ashamed that they don’t realize they have rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act regulates third-party debt collectors. It prohibits collection methods like the following, and any offending agency risks consequences like fines and license revocation.
● Calling you before 8:00 a.m. and after 9:00 p.m.
● Refusing to provide proof that you owe a debt
● Threatening action they are not in a position to legally take
● Using profane and obscene language
● Demanding amounts not supported the original creditor agreement
● Failing to report a debt as disputed to the credit bureaus
Company Profile: DNF Associates, LLC
If you are being called by DNF Associates, LLC, here is some more information about who you are dealing with.
DNF Associates, LLC, which also does business as DRB, is a debt buyer and collection agency in Getzville, New York. It opened its doors in 2014, has fewer than 10 employees, and is managed by David J. Maczka. It also has a B+ rating with the Better Business Bureau. A case search at the PACER website shows that consumers who felt harassed by DNF Associates, LLC pursued justice.
Alleged Violations against DNF Associates, LLC*
According to information on the PACER website, in or around early 2019, DNF Associates, LLC started contacting a Kentucky consumer. She claimed that the agency repeatedly called her mother’s home, although she did not live there, and disclosed details of the debt. She also complained that it filed a lawsuit against her in a location where she had never resided, making it hard to defend the action.
Feeling harassed by DNF Associates, LLC, the consumer sued the agency for:
● Sharing details of the debt with her mother
● Suing her in a location where she did not reside
The case was later settled.
Hire a Consumer Lawyer
The phone number for DNF Associates, LLC is 1-855-366-8584. If it ever appears on your caller ID, it is advance notice that DNF Associates, LLC may be trying to collect a debt from you. If they expose the debt to your family and file lawsuits in remote areas, making it difficult for you to defend yourself, hire a consumer lawyer and file a claim against DNF Associates, LLC. When you fight for your rights, you could get $1,000 per FDCPA violation, so let an attorney help you assert yourself.
*Case taken from PACER (www.pacer.gov). File number is Case: 2:19-cv-00068-DLB-CJS from the United States District Court for the Eastern District of Kentucky, Covington 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 DNF Associates, LLC or any other third-party collection agency, you may not be entitled to any compensation.