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Updated on Author: Contributor: Sergei Lemberg

Is Eagle Accounts Group Inc. Calling You?*

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Is Eagle Accounts Group Inc. calling you? Here’s what you need to know.

If you owe a lot of money on your credit cards and are struggling to keep the payments up to date, you’re not alone. Thousands of Americans are barely keeping themselves afloat financially due to frozen wages and a cost of living that keeps on rising.

If you suddenly lose your job or suffer a debilitating illness that makes it impossible for you to earn a living, the situation can spiral out of control, causing you to miss payments and eventually start receiving calls and letters from debt collectors.

Although not all debt collectors are hostile and abusive, so many treat consumers poorly that the Federal Trade Commission receives thousands of complaints a year. The Fair Debt Collection Practices Act (FDCPA) was passed in September 1977 to regulate the actions of third-party debt collectors, and makes it illegal to use methods like the following when attempting to collect a debt.

  • Screaming, swearing, and calling you names
  • Harassing you by phone: Calling several times a day, hanging up when you answer, and spoofing the number they are calling from
  • Saying that they have a judgement against you when they don’t
  • Revealing details about the debt to anyone but you, your spouse, attorney, and co-signers.
  • Threatening to have you arrested if you don’t pay within 24 hours

For debt collectors of this stripe, the FDCPA is a minor nuisance. They count on the likelihood that the consumer they are targeting will be too stressed and unfamiliar with the law to report them.

Alleged Violations against Eagle Accounts Group Inc.*

Eagle Accounts Group Inc. is a collection agency located in Indianapolis, Indiana. It was established in 1972, employs a mid-sized staff, and is a member of both the American Collectors Association International and the Indiana Collectors Association. A review of records on file at the PACER (Public Access to Court Electronic Records) website reveal that Eagle Accounts Group Inc. has been accused of disregarding both consumer rights and the FDCPA when attempting to collect certain debts.

In or around 2013, an Indiana resident incurred a personal debt went into default and was placed with Eagle Accounts Group Inc. for collection. When the agency contacted her in April, she disputed the debt and asked that they cease all communication on the subject.

When she checked her credit report in February 2014, she found that Eagle Accounts Group Inc had failed to report the debt as disputed. She hired a consumer attorney and filed a lawsuit accusing the agency of the following FDCPA violations:

  • Continuing to report the debt to a credit reporting agency after she had disputed it
  • Misrepresenting the status of the debt
  • Using unfair or unconscionable means to collect or attempt to collect the debt

The matter was later settled.

The phone numbers for Eagle Accounts Group Inc. are 1-800-878-5165 and 1-317-887-5165. If you see either number on your caller ID, be aware that a debt collector is trying to collect money from you. If you dispute the debt and they fail to report it to the credit agencies as such, contact a consumer attorney.

The FDCPA states that such omissions and misrepresentations are illegal, and if you sue Eagle Accounts Group Inc., you could potentially be awarded $1,000 in statutory damages per FDCPA violation, as well as court costs, attorney fees, and any actual damages. When debt collectors behave in ways that infringe upon your rights, a good attorney will help you rectify matters.

*Case taken from PACER ( File number is 1:14-cv-00813-TWP-TAB from United States District Court, Southern District of Indiana, Indianapolis 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 Eagle Accounts Group or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributor: 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 Contributor: Sergei Lemberg
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      By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.