Is FABCO calling you? Learn how you can protect your rights!
It happens all the time to indebted consumers being chased by debt collectors: threats, midnight phone calls, embarrassing disclosures to friends, family and co-workers. Many declare bankruptcy to stop the harassment, unaware that the law protects them from such abusive behavior.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, makes it clear that a debt collector cannot communicate with a debtor in such a way that the communication is tantamount to harassment. Examples include:
- Calling at unreasonable and inconvenient hours
- Yelling, swearing, or making threats
- Maliciously reporting false information to the credit bureaus
- Pretending to be police officers
- Threatening legal actions they cannot take or have no intention of taking
- Threatening to call the police on you if you don’t pay
Company Profile: FABCO
FABCO, whose full company name is Federal Adjustment Bureau, Inc is a debt collection company located in Columbus, Ohio. It was established in 1943, is managed by E. Marlene Mahoney, President, and is exclusively committed to rental debt collections.
According to records on file at the PACER (Public Access to Court Electronic Records) website, FABCO has been sued by consumers who alleged that their rights had been violated.
Alleged Violations against FABCO
According to PACER, in or around November 2014, FABCO started to contact an Ohio resident about an alleged debt. The company allegedly mailed a collection letter to his employer, which was opened and read by another employee.
The plantiff later claimed that he had never given FABCO permission to contact him at his workplace and said that he emailed the company asking them to cease contact.
When the communications allegedly continued, he hired a consumer attorney and sued FABCO for the following alleged FDCPA violations:
- Disclosing details of his debt to a third party
- Continuing to communicate with him after receiving a request to stop
The matter was later dismissed.
Hire an Attorney
The phone numbers for FABCO are:
If the phone rings and you see any of these numbers on your caller ID, be aware that a debt collector is looking for you. If they communicate details of your alleged debt to uninvolved third parties and keep calling even after you have asked them to stop, hire a consumer attorney.
If the matter goes to court, you could potentially win $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. You have rights that must be respected, or a debt collector faces industry sanctions.
**Case taken from PACER (www.pacer.gov). File number is Case: 2:15-cv-00318-GLF-TPK from the Court of Common Pleas for Franklin County, Ohio Civil 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 FABCO or any other third-party collection agency, you may not be entitled to any compensation.