People who are struggling to manage debt often feel desperate and overwhelmed. It gets worse when debt collectors start trying to collect these accounts, as their methods are not always civil or even legal.
Remember, though, that whether you’re in debt because you were laid off, had a medical emergency, or simply mismanaged your money, the law says that you must be treated with respect.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires third-party collection agencies to follow certain guidelines when dealing with indebted consumers. Actions like those below violate the FDCPA and give you grounds to sue the debt collector.
- Calling you at work when you’ve already told them that you can’t talk to them there
- Swearing at you over the phone
- Trying to collect more than you really owe
- Reporting false information to the credit bureaus
- Ignoring a formal request to cease communications
- Threatening action they cannot legally take or have no intention of taking
Company Profile: Edgewater Consulting Group, LLC
If you are being called by Edgewater Consulting Group, LLC, we have compiled a short company history below.
Edgewater Consulting Group, LLC, is a debt collection agency located in Federal Way, Washington with an additional office in Tucson, Arizona. It was founded in 2005, has 19 employees on staff, and is managed by its President, Rob Hoskins.
Legal information retained by the PACER website confirms that consumers who thought they were being harassed by Edgewater Consulting Group, LLC exercised their right to sue.
Alleged Violations against Edgewater Consulting Group, LLC
According to PACER, on or around 2011, Edgewater Consulting Group, LLC allegedly started calling an Arizona consumer to collect a debt. She complained that these calls, one of which came as early as 7:00 a.m., appeared to be made by an autodialer, as she heard prerecorded messages when she answered.
She also alleged that one collector threatened to garnish her Social Security Disability Income.
Feeling harassed by Edgewater Consulting Group, LLC, the consumer sued the collection agency for allegedly violating her rights by:
- Calling her before 8:00 a.m.
- Using an autodialer to harass her
- Using false, deceptive, or misleading means to collect a debt
- Failing to send a debt validation letter
- Using harassing and abusive means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for Edgewater Consulting Group, LLC is 1-253-835-7341. If you are woken up by an incoming call and see this number on your caller ID, it means that Edgewater Consulting Group, LLC is calling.
If they use an autodialer to contact you and make legal threats that never materialize, hire a consumer attorney and act on your rights by filing a claim against Edgewater Consulting Group, LLC.
Collection agencies that violate the FDCPA can be ordered to compensate affected consumers, so standing up for yourself can be in your best interests.
Case taken from PACER (pacer.gov). File number is Case 4:13-cv-00249-JR from the United States District Court for the District of Arizona.
*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 Edgewater Consulting Group, LLC or any other third-party collection agency, you may not be entitled to any compensation.