If you are dealing with a collection agency that calls you relentlessly, disturbing your privacy and embarrassing you in front of friends and co-workers, it impacts your quality of life. Although the debt collector may try to convince you otherwise, you have the right to take legal action once routine collection attempts cross the line into abuse.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that controls when, where, and how a debt collector may communicate with you. Actions like those below are illegal and give you the grounds to sue the company for compensation.
- Pursuing a debt where the statute of limitations has expired
- Threatening to sue you when they don’t intend to do so
- Using threats of violence or harm
- Claiming to be attorneys or government representatives
- Calling after you have told them not to contact you again
- Trying to collect additional and unauthorized fees or charges
Company Profile: Everett Association of Credit Men, Inc.
If you are being called by Everett Association of Credit Men, Inc., here are more details about the company history and operations.
Everett Association of Credit Men, Inc. is a debt collection agency located in Everett, Washington. It was founded in 1934, has 15 employees, and is managed by its President, Judith Jensen.
Digital legal files viewable at the PACER website indicate that consumers who felt they were being harassed by Everett Association of Credit Men, Inc. chose to take the situation to court.
Alleged Violations against Everett Association of Credit Men, Inc.
According to PACER, on or around October 29, 2014, Everett Association of Credit Men, Inc., sent a collection letter to a Washington consumer. In this letter, it allegedly demanded that he pay the alleged debt in full within seven days, which contradicted the dispute period.
This letter was allegedly followed by a phone call in November, during which the caller allegedly did not identify themselves as a debt collector.
Feeling harassed by Everett Association of Credit Men, Inc., the consumer filed a lawsuit against the company for allegedly:
- Failing to identify itself a debt collector in all communications
- Using false, deceptive, and misleading means to collect a debt
- Failing to clarify their dispute rights
The matter was later resolved.
Hire a Consumer Lawyer
The phone number for Everett Association of Credit Men, Inc. is 1-425-259-5563. If it appears on your caller ID, it means that you are being called by Everett Association of Credit Men, Inc.
If they demand payment during the statutory dispute period and leave voice messages that don’t clarify the reason for the call, hire a consumer lawyer and file a claim against Everett Association of Credit Men, Inc. You could be awarded statutory and punitive damages and have your legal fees reimbursed, so seeking compensation can pay off.
Case taken from PACER (pacer.gov). File number is Case 2:14-cv-01984-JCC from the United States District Court for the Western District of Washington at Seattle.
*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 Everett Association of Credit Men, Inc., or any other third-party collection agency, you may not be entitled to any compensation.