Once you miss a certain number of debt payments, a collection agency may soon be in touch. When these companies attempt to collect the outstanding balance, they may use means that are harassing and unfair. If they do, know your rights and prepare to fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) prohibits third-party debt collectors from threatening or bullying people into paying a debt. If they subject you to any of the following collection tactics, they’re breaking the law.
● Failing to identify themselves as a debt collector
● Calling you at work after being told to stop
● Threatening legal actions that they have no intention of taking
● Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
● Using an autodialer to leave a series of pre-recorded messages
● Reporting false information to the credit bureaus
Company Profile: DTG Holdings, Inc.
If you are being called by DTG Holdings, Inc., information about the company is below.
DTG Holdings, Inc., which also does business as Access Receivables Management, is a debt collection agency in Towson, Maryland. It opened for business in 1999, has 41 employees, and is managed by Tom Gillespie. Civil litigation records viewable at the PACER website indicate that those who believed they were being harassed by DTG Holdings, Inc. did not give in.
Alleged Violations against DTG Holdings, Inc.
According to PACER, on or around September 22, 2008, DTG Holdings, Inc. sent a collection letter to a Connecticut consumer regarding an auto insurance debt. When it called her, she disputed the debt, said that she had cancelled that policy a long time ago, and faxed proof of cancellation. The collector acknowledged receipt of the fax, but allegedly kept calling and sending letters.
Feeling harassed by DTG Holdings, Inc., the consumer filed a claim against the agency for:
● Ignoring her dispute
● Failing to send a debt validation package
● Misrepresenting the amount and legal status of the debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If any of them pop up on your caller ID, get a free evaluation from a consumer lawyer, as DTG Holdings, Inc. may be trying to collect a debt from you. If they ignore your dispute and fail to even validate the debt, hire a consumer lawyer and file a claim against DTG Holdings, Inc. You could receive $1,000 per FDCPA violation. If a collection agency tries to bully you into paying, the law could force them to pay you instead.
*Case taken from PACER (www.pacer.gov). File number is Case 3:09-cv-01446-JBA from the United States District Court for the District of Connecticut.
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 DTG Holdings, Inc. or any other third-party collection agency, you may not be entitled to any compensation.