Collection agencies are rarely subtle. They will call you at inconvenient times, send aggressive letters, and take actions specifically to embarrass you. This happens to you, don’t assume that you have to tolerate such abuse, because you don’t.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, mandates ethical and professional behavior from third-party debt collectors and prohibits actions like the following during debt collection attempts.
● Shouting and using profanities
● Threatening to garnish your wages
● Demanding that you pay a debt discharged in bankruptcy
● Demanding amounts that exceed the original debt
● Calling you at work
● Telling your friends, neighbors, and co-workers that you owe money
Company Profile: Educational Computer Systems
If you are being called by Educational Computer Systems, here are some additional company details.
Educational Computer Systems, which also does business as Heartland Payment Systems, is a student loan provider and collection agency in Pittsburgh, Pennsylvania. It opened for business in 1972, has over 100 employees, and is managed by Eric Ives. Records at the PACER website show that people who felt harassed by Educational Computer Systems refused to give in.
Alleged Violations against Educational Computer Systems
According to PACER, in or around April 2015, an Arizona consumer checked her credit report and found that Educational Computer Systems had reported an outstanding student loan. She had never incurred student loans and got the university she had attended to confirm the fact, but on or about February 1, 2016, the agency sent a letter alleging that she owed it $14,643.93.
Feeling harassed by Educational Computer Systems, the consumer got a free case review from a consumer lawyer and sued the agency for:
● Demanding payment for a debt she did not owe
● Reporting inaccurate information to the credit bureaus.
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they appear on your caller ID, Educational Computer Systems may be trying to collect a student loan debt from you. If they report inaccurate information to the credit bureaus, hire a consumer lawyer and file a claim against Educational Computer Systems. You could be awarded $1,000 per FDCPA violation, so when you don’t owe a debt, stand your ground.
*Case taken from PACER (www.pacer.gov). File number is Case 2:16-cv-01061-DLR from the United States District Court for the District of Arizona.
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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 Educational Computer Systems or any other third-party collection agency, you may not be entitled to any compensation.