If your monthly debts go into arrears because you lost your job or became too disabled to work, eventually debt collectors will start making contact. Some of them are unethical and bank on the chance that you are unaware of your rights as an indebted consumer. If a collector treats you in a rude or belligerent manner, you can sue them.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires ethical behavior from debt collectors during the communication process and prohibits actions like the following during a debt collection attempt.
● Using profane or obscene language
● Making threats they cannot legally carry out
● Discussing your debt with third parties
● Calling at inconvenient times
● Claiming to be police officials or government agents
● Using an autodialer to harass you by phone
Company Profile: eCast Settlement Corp
If you are being called by eCast Settlement Corp, here are some additional company details.
eCast Settlement Corp is a debt buyer and collection agency in New York, New York. It was established in 2000, has 20 employees, and is managed by Charles J. Rusbasan. Its parent company is JPMorgan Chase. Litigation records archived at the PACER website indicate that people who felt harassed by eCast Settlement Corp refused to pay.
Alleged Violations against eCast Settlement Corp
According to PACER, in or around November 2011, an agent of eCast Settlement Corp sent a collection letter to a New Jersey consumer. When she requested validation, the agent allegedly informed her that the process could take more than 30 days, and invited her to contact the company directly to discuss the matter.
Feeling harassed by eCast Settlement Corp, the consumer sued the company for:
● Trying to collect during the dispute period
● Failing to validate the debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Their presence on your caller ID means that eCast Settlement Corp is calling and probably trying to collect a debt from you. If they fail to validate the debt and try to collect from you during the statutory dispute period, get a free case evaluation from a consumer lawyer and file a claim against eCast Settlement Corp. The company could be ordered to pay you $1,000 per FDCPA violation, which sends a strong message that no matter how much a consumer owes, their rights must be respected.
*Case taken from PACER (www.pacer.gov). File number is Case 2:12-cv-06971-SRC-CLW from the United States District Court for the District of New Jersey.
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 eCast Settlement Corp or any other third-party collection agency, you may not be entitled to any compensation.