Are You Being Called By Epstein, Roth & Associates, LLC?*

If debt collectors have you so stressed out that you cringe every time the phone rings, something is wrong. While collecting an overdue account is legal, harassing and intimidating you to this point is not. Read on to learn more about your rights as an indebted consumer.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, was passed 40 years ago to protect indebted consumers from being bullied into bankruptcy. It regulates interactions between third-party debt collectors and those who owe money, and prohibits actions like those below.

• Demanding that you pay a debt that was discharged in bankruptcy
• Using profane or obscene language
• Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
• Maliciously reporting inaccurate information to the credit bureaus
• Trying to collect after you have disputed a debt
• Refusing to validate the debt

Company Profile: Epstein, Roth & Associates, LLC

If you are being called by Epstein, Roth & Associates, LLC, an agency overview is below.

Epstein, Roth & Associates, LLC is a debt collection agency located in Orlando, Florida. It was established in 2011, has 20 employees, and is managed by Francisco Veliz Jr. Litigation records at the PACER website indicate that consumers who believed that they were being harassed by Epstein, Roth & Associates, LLC were determined to not be pushed around.

Alleged Violations against Epstein, Roth & Associates, LLC*

According to information on the PACER website, on or around October 15, 2012, Epstein, Roth & Associates, LLC called an Illinois consumer to collect a debt that had been discharged in a Chapter 7 bankruptcy. When she told the collector that she was represented by counsel, he allegedly stated that he did not need to talk to her lawyer unless her lawyer was going to be paying the debt, and further stated that she should give her employer information about the debt because the agency would be “garnishing [her] wages for payment.”

Feeling harassed by Epstein, Roth & Associates, LLC, the consumer took legal action against the agency for:

• Contacting her directly although she was represented by an attorney
• Using false, deceptive, and misleading means to collect a debt

A court awarded her $8313.50.

Hire a Consumer Lawyer

The phone number for this debt collection company is 1-888-230-6999. Any time you see it on your caller ID, be aware that you are being called by Epstein, Roth & Associates, LLC. If they threaten to garnish your wages if you don’t pay a debt that was already discharged in bankruptcy, hire a consumer lawyer and file a claim against Epstein, Roth & Associates, LLC. You may be awarded $1,000 per FDCPA violation, so you have every reason to stand your ground.

*Case taken from PACER (www.pacer.gov). File number is Case: 1:12-cv-09097 from the United States District Court for the Northern District of Illinois, Eastern Division.

Additional Resources

• Debt Collection Agencies: E
• Are You Being Threatened By A Debt Collection Agency?

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 Epstein, Roth & Associates, LLC or any other third-party collection agency, you may not be entitled to any compensation.