Every year, thousands of consumers complain to the Federal Trade Commission about debt collectors using threats and deception to coerce debt payments out of them. If you are experiencing problems with a collection agency, be aware that the law prohibits them from bullying or harassing you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 after predatory debt collectors drove unprecedented numbers of consumers to declare bankruptcy. The new law granted people the right to dispute a debt and tell collection agencies to cease contact. It also prohibited the use of collection methods like those below :
- Calling you at work after you’ve told them that your boss does not allow such calls
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing the debt with anyone but you, your spouse, your attorney, and any debt co-signers (if applicable)
- Swearing and using abusive language
- Demanding amounts that exceed the original debt
- Refusing to validate the debt
Company Profile: Enterprise United Partners, Inc.
If you are being called by Enterprise United Partners, Inc., information about the company is below.
Enterprise United Partners, Inc. is a debt collection agency headquartered in Norco, California. It was founded in 1985 and is a smaller agency with less than 10 employees. Records on file at the PACER (Public Access to Court Electronic Records) website indicate that multiple consumers who felt they were being harassed by Enterprise United Partners, Inc. tried to sue the company in response.
Alleged Violations against Enterprise United Partners, Inc.
According to PACER, in October 2011 Enterprise United Partners, Inc. began calling a Texas resident to collect a credit card debt. One collector who identified himself as ‘Mr. Hooper’ allegedly informed her that he was going to garnish her bank account; serve legal papers at her workplace, and put a lien on anything that she owned. He also allegedly spoke to her co-worker and said that he would be serving legal paperwork upon her at work.
Feeling harassed by Enterprise United Partners, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Discussing her debt with her co-worker
- Threatening legal action that the company could not take
- Failing to disclose that the caller was a debt collector in each communication
When the matter went to court, a judge ruled in favor of of the plaintiff.
Hire an FDCPA Attorney
The phone numbers for Enterprise United Partners, Inc. are:
If you see any of these numbers on your caller ID, it means that you are being called by Enterprise United Partners, Inc. If they discuss your debt with third parties and threaten lawsuits to intimidate you, hire a consumer attorney. If you file a claim against Enterprise United Partners, Inc. and win, you could be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. If debt collectors cross the line, the law offers you protections that push them right back.
*Case taken from PACER (www.pacer.gov). File number is Case 3:11-cv-03549-F from the United States District Court for the Northern District of Texas, Dallas 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 Enterprise United Partners, Inc., or any other third-party collection agency, you may not be entitled to any compensation.