Debt collectors are generally allowed to contact you by phone, mail, or email, but there are certain rules that they have to follow. Although they are not permitted to harass you by calling you at work and at unreasonable hours, many of them do.
Fortunately, there are laws that protect you from such misconduct.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates the professional activities of third-party debt collectors. If a company tries to stress you into paying by using strategies like these, they can be fined and even closed permanently.
- Leaving threatening messages on your voicemail
- Ignoring a cease communications letter
- Calling every hour and hanging up when you answer
- Demanding amounts not supported by law or the original creditor agreement
- Claiming they have a warrant for your arrest
- Using an autodialer to contact you incessantly
Company Profile: Emergent Business Group, Inc.
If you are being called by Emergent Business Group, Inc., a general company overview is below.
Emergent Business Group, Inc., which also does business as Emergent Servicing, is a debt collection agency located in Horsham, Pennsylvania. It was established in 2015, has a large staff, and is managed by CEO Bruce White.
Records at the PACER website confirm that consumers who believed they were being harassed by Emergent Business Group, Inc. made the agency confirm its claims in court.
According to PACER, on or about January 31, 2018, Emergent Business Group, Inc. sent a collection letter to a New Jersey consumer seeking to collect a debt. Although the letter specified that she could dispute the debt, it did not indicate that the dispute had to be in writing.
Feeling harassed by Emergent Business Group, Inc., the consumer filed a class action lawsuit against the agency for allegedly:
- Using false, deceptive, and misleading means to collect a debt
- Failing to clearly communicate her dispute rights
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Emergent Business Group, Inc. are:
Their appearance on your caller ID means that you are being called by Emergent Business Group, Inc. If they send collection letters that are unclear about your dispute rights, hire a consumer lawyer, review your options, and decide if you want to file a claim against Emergent Business Group, Inc.
If you win your claim, you could receive $1000 plus reasonable attorney fees and legal costs, so protecting your rights is the best way to bring harassment to an end.
Case taken from PACER (pacer.gov). File number is Case 2:18-cv-09238-ES-MAH 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 Emergent Business Group, Inc. or any other third-party collection agency, you may not be entitled to any compensation.