Is Eclipse Receivable Management, Inc. harassing you? Learn how to prevent debt collector abuse!
Are debt collectors threatening to garnish your wages or seize your assets if you don’t pay them immediately? If so, you’re not the only one. Thousands of Americans have accounts currently in collections, and many of them complain to the Federal Trade Commission about collection agency misconduct.
If the agency tasked with collecting your debt blatantly mistreats you, be aware that it is breaking the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers from being deceived, bullied, and otherwise abused by third-party debt collectors. Actions like those listed below are illegal when used to intimidate you into paying a debt.
- Using profane or obscene language
- Calling you at work when your employer does not allow such calls
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you several times a day
- Contacting you after you have formally requested that all communications cease
- Telling you that you can arrested or imprisoned for nonpayment of a debt
Company Profile: Eclipse Receivable Management, Inc.
Eclipse Receivable Management, Inc. is a debt collection agency located in Tampa, Florida. It was established in 2011, has less than 10 employees, and is managed by President, Brian J. Langsam. Litigation records retained by the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Eclipse Receivable Management, Inc. sued the company and occasionally received substantial awards.
Alleged Violations against Eclipse Receivable Management, Inc.
According to PACER, beginning in or around June 2013, and continuing into July 2013, Eclipse Receivable Management, Inc. allegedly called a Pennsylvania resident several times a day to collect a credit card debt.
She later complained that the agency representatives left messages that did not identify them as debt collectors, and that when she demanded debt validation, it was never provided.
Feeling harassed by Eclipse Receivable Management, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA by:
- Using harassing and abusive means to collect a debt
- Harassing her by phone
- Failing to identify itself as a debt collector in all communications
- Using false, deceptive, and misleading means to collect a debt
- Failing to send a debt validation notice
A judge later ruled in favor of the plaintiff.
Hire an Attorney
The phone numbers for this collection agency are:
If you see either of these numbers on your caller ID when the phone rings, it means that you are being called by Eclipse Receivable Management, Inc.. If they call you several times a day and do not identify themselves as debt collectors in all communications, hire a consumer attorney who can help you file a claim against Eclipse Receivable Management, Inc.
If you win, you could potentially be awarded $1,000 per FDCPA violation, plus associated damages and costs. Fighting back when debt collectors cross the line can turn out to be a smart decision.
**Case taken from PACER (www.pacer.gov). File number is Case 2:14-cv-00549-NBF from the United States District Court for the Western District of Pennsylvania.
*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 Eclipse Receivable Management, Inc., or any other third-party collection agency, you may not be entitled to any compensation.