Are You Being Called By EOS CCA?*

Judging by the number of complaints that reach the Federal Trade Commission every year, there are collectors who go about their business in a way that causes alarm and embarrassment for the consumers. If this is happening to you, be aware that such collection methods violate federal law and you have recourse to fight back.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to curb the activities of abusive third-party debt collectors. It prohibits unethical and underhanded collection methods like the following:

• Using abusive or obscene language
• Calling you at work after you’ve told them that your employer won’t let you take such calls
• Threatening legal action they have no intention of taking
• Calling you at all hours of the day and night
• Discussing the debt with your family, friends, and co-workers
• Leaving voice messages that do not identify the collector and the purpose of their call

Company Profile: EOS CCA

If you are being called by EOS CCA, information about the company is below.

EOS CCA is a debt collection agency headquartered in Norwell, Massachusetts. It was originally founded in 1991 as Collection Company of America, and became the U.S. presence of the EOS Group in 2001. It has over 1000 employees, and is managed by its CEO, Paul E. Leary. Records on file at the PACER (Public Access to Court Electronic Records) website confirm that consumers who felt they were being harassed by EOS CCA filed lawsuits against the agency in response.

Alleged Violations against EOS CCA

According to PACER, beginning in or around October 2014, and continuing through October 2015, EOS CCA allegedly called a Florida resident on both her home and cell phones to collect a debt. Ms. Lewis later complained that the company called, on average, once a day and never sent her a debt validation notice. She asked EOS CCA to stop calling, but the contact allegedly continued, sometimes before 8:00 a.m..

Feeling harassed by EOS CCA, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

• Calling her constantly, and at inconvenient times
• Using harassing and oppressive means to collect a debt
• Using unfair or unconscionable means to collect a debt
• Failing to send her a debt validation letter

The matter was later settled.

Hire an FDCPA Attorney

The phone number for EOS CCA is 1-877-395-5997. If it appears on your caller ID when the phone rings, it means that you are being called by EOS CCA. If they call you constantly to collect a debt from you but fail to provide a debt validation notice within five days of initial contact, hire a consumer attorney. If you decide to file a claim against EOS CCA, you could potentially win $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. Even the largest debt collection agencies are not above the law.

*Case taken from PACER (www.pacer.gov). File number is Case 1:15-cv-14140-NMG from the United States District Court for the District of Massachusetts.

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 EOS CCA, or any other third-party collection agency, you may not be entitled to any compensation.