Many of the bad things you’ve heard about collection agencies are based on reality. Each year the Federal Trade Commission receives a barrage of complaints from consumers who allege that collection agencies abuse and harass them. If this happens to you, be aware that you don’t have to passively accept such abuse. No matter how much money you may owe, you have rights under the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers from unethical third-party debt collection practices. Actions like the following are illegal when used to pressure a consumer into paying a debt.
- Using profane or obscene language
- Failing or refusing to identify themselves as debt collectors
- Calling you at work when your employer does not allow such calls
- Telling you that you can be arrested for not paying your debts
- Contacting your friends, family and co-workers and discussing the debt with them
- Making threats they have no intention of following up on, such as garnishing your wages or suing you
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Company Profile: Equityexperts.Org, LLC
If you are being called by Equityexperts.Org, LLC, information about the company is below.
Equityexperts.Org, LLC, is a collection agency located in Rochester, Michigan, that specializes in collecting debts for condo and homeowner associations. It was established in 2004, has less than 10 employees, and has branch offices in Atlanta, Georgia and Washington, DC. Records archived at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Equityexperts.Org, LLC chose to confront the agency in court.
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Alleged Violations against Equityexperts.Org, LLC
According to PACER, in or around December 18, 2013, Equityexperts.Org, LLC sent a Michigan resident a collection letter regarding a condominium fee debt of $645.00. Another letter, sent on May 27, 2015, allegedly claimed that the debt owed was now $4,580, and further stated “If you do not pay within 10 days, balance may be at least: $8,025.”
Feeling harassed by Equityexperts.Org, LLC, She hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using unfair or unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
A judge later ruled in favor of the plaintiff.
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Hire an Attorney
The phone numbers for this third-party collection agency are:
- 1-855-321-EXPERTS (3973)
- 1-248-601-6766
- 1-404-220-7303
If you see any of these numbers on your caller ID when the phone rings, it means that you are being called by Equityexperts.Org, LLC. If they bully you about a debt you know you have paid and try to deceive you into making another payment, hire a consumer attorney. Such deceptive tactics are illegal under the FDCPA, and if you proceed to file a claim against Equityexperts.Org, LLC, you could potentially win $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. When debt collectors fail to be ethical, they could end up in debt themselves.
*Case taken from PACER (pacer.gov). File number is Case 2:16-cv-11875-MAG-DRG from the United States District Court for the Eastern District of Michigan, Southern 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 Equityexperts.Org, LLC, or any other third-party collection agency, you may not be entitled to any compensation.