While debt collectors may legally ask you to pay a debt, they are not allowed to harass and bully you until you pay. In fact, if a collection agency does take things to that extreme, you have the legal right to demand that they stop and sue them if they don’t.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed 40 years ago to stop abusive conduct on the part of third-party collection agencies. Since 1977, collection tactics like the following have been illegal under federal law.
● Using profane and obscene language
● Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
● Threatening action they cannot legally take or have no intention of taking
● Telling you that by failing to pay the debt, you have committed a crime
● Demanding amounts that are inflated by ‘service charges’
● Calling you several times per day using an autodialer
Company Profile: EGS Financial Care, Inc.
If you are being called by EGS Financial Care, Inc., information about the company is below.
EGS Financial Care, Inc., which also does business as Expert Global Solutions, Inc., is a debt collection agency in Horsham, Pennsylvania. The company started in 1966, has 25 employees, and is managed by James King. Archived records at the PACER website show that people who believed they were being harassed by EGS Financial Care, Inc. were not intimidated.
Alleged Violations against EGS Financial Care, Inc.
According to PACER, in or around early 2018, EGS Financial Care, Inc. allegedly started calling a California consumer to collect a debt. She alleged that these calls were made at a harassing rate, and that when she told the collectors to stop contacting her, the request was ignored.
Feeling harassed by EGS Financial Care, Inc., the consumer got a free evaluation from a consumer lawyer before taking the company to court for:
● Using harassing and abusive means to collect a debt
● Harassing her by phone
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If any of them pop up on your caller ID, someone from EGS Financial Care, Inc. is on the line. If they call you several times a day for weeks on end, even after you ask them to stop, hire a consumer lawyer and file a claim against EGS Financial Care, Inc. You may win $1,000 per FDCPA violation as well as reasonable court costs and attorney fees. Knowing your rights is always the wisest course of action when debt collectors cross the line.
*Case taken from PACER (www.pacer.gov). File number is Case 2:18-cv-08304-PSG-SS from the United States District Court for the Central District of California, Western Division.
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 EGS Financial Care, Inc. or any other third-party collection agency, you may not be entitled to any compensation.