Every day, consumers across the US are receiving unwanted and harassing communications from collection agencies. They don’t know that these abusive calls and letters are illegal, which is exactly what these agencies are counting on.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, allows you to dispute a debt with a collection agency and the credit bureaus. It also prohibits the use of methods like the following to collect a debt.
● Cursing at you
● Imposing illegal collection fees
● Calling your place of employment
● Claiming to be an attorney or a law enforcement official
● Demanding amounts that exceed the original debt
● Failing to validate the debt
Company Profile: Esser, James & Associates, LLC
If you are being called by Esser, James & Associates, LLC, a company overview is below.
Esser, James & Associates, LLC is a debt collection agency in Buffalo, New York. It was established in 2014, has 10 employees, and is managed by Rebecca Steward. The company has a B- review with the Better Business Bureau. Legal records at the PACER website show that those who felt harassed by Esser, James & Associates, LLC chose to stand up to what they perceived as harassment.
Alleged Violations against Esser, James & Associates, LLC
According to PACER, in or around late 2015, Esser, James & Associates, LLC began collection attempts against a Connecticut consumer by calling her ex-husband in Florida. He said that they had been divorced for over 20 years and she could not be reached there, but the collector allegedly revealed information about the debt and kept calling.
Feeling harassed by Esser, James & Associates, LLC, the consumers both sued the agency for:
● Sharing information about the debt with an unauthorized party
● Harassing the husband by phone
● Using unfair means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Their presence on your caller ID, means that Esser, James & Associates, LLC is trying to reach you or someone you know. If they indiscriminately share details of your debt, get a free case review from a consumer lawyer and file a claim against Esser, James & Associates, LLC. You could potentially receive $1,000 per violation of the FDCPA plus legal costs and damages. Never back down from a debt collector: fighting back can pay off.
*Case taken from PACER (www.pacer.gov). File number is Case 3:16-cv-00794-RNC from the United States District Court for the District of Connecticut.
- Did a Collection Agency Contact a Third Party About Your Debt?
- Did a Collection Agency Not Validate Your Debt?
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 Esser, James & Associates, LLC or any other third-party collection agency, you may not be entitled to any compensation.