Debt collectors are regulated by state and federal laws, but many of them prefer to ignore the fact because harassment and abuse appear to yield the money they’re looking for. If you’re being pursued by a collection agency that ignores the law in favor of profit, learn more about your rights and how you can act on them.
Your Rights Under the FDCPA
In 1978, Congress passed The Fair Debt Collection Practices Act, which was designed to protect indebted consumers from aggressive debt collectors. In addition to regulating the ways that collection agencies could run their business, the FDCPA allows you to recover damages when a debt collector treats you in ways like the following:
- Repeated phone calls intended to annoy you
- Using racist or sexist language
- Saying they have court papers to serve on you when they don’t
- Calling your family and friends solely to embarrass you
- Claiming to be members of law enforcement to scare you
- Calling you names like loser and deadbeat
Company Profile: Exeter Finance Corp.
If you are being called by Exeter Finance Corp., here is some background information about the agency.
Exeter Finance Corp., is a financial services and debt collection agency located in Irving, Texas. It opened for business in 2006, has 20 to 49 employees on staff, and is managed by CEO Jason Grubb. It specializes in repossessions and other auto-related debt.
Civil litigation records retained by the PACER website confirms that consumers who thought they were being harassed by Exeter Finance Corp. chose to take the agency to court instead of pay.
Alleged Violations against Exeter Finance Corp.
According to PACER, beginning in July 2013 and continuing through September 2013, Exeter Finance Corp. allegedly started calling a Texas consumer about an auto debt, although the debt actually belonged to his adult son.
He advised them that his son served in the U.S. military and could be contacted through their offices, but the company allegedly continued to call him.
Feeling harassed by Exeter Finance Corp., the consumer filed a lawsuit against the company for:
- Harassing him about his son’s debt
- Using harassing and abusive means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Exeter Finance Corp are:
Seeing them on your caller ID is confirmation that you are being called by Exeter Finance Corp. If they persist in harassing you over a debt you don’t even owe, see a consumer attorney and file a claim against Exeter Finance Corp. for violating your rights.
You could be awarded $1,000 for each violation of the FDCPA, so being proactive in protecting your rights can pay off.
Case taken from PACER (pacer.gov). File number is Case 3:14-cv-02357-L from the United States District Court for the Northern District of Texas.
*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 Exeter Finance Corp. or any other third-party collection agency, you may not be entitled to any compensation.