Are debt collectors calling you several times a day and discussing your debt with your family and coworkers? You don’t have to put up with such treatment- abuse by third party debt collectors is a violation of federal law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, grants you the right to dispute a debt and tell third-party collection agencies to stop calling you or sending letters. It also prohibits the use of activities like those below when collecting or attempting to collect a debt.
- Maliciously reporting false information to the credit bureaus
- Trying to collect more than the law and / or the original creditor agreement allow
- Telling your friends and family that you owe money
- Cursing and calling you names
- Discussing your debt with uninvolved third parties
- Using constant phone calls to annoy or harass you
Company Profile: Falzone Law Associates
If you are being called by Falzone Law Associates, more information about the firm’s history and operations are below.
Falzone Law Associates, which formerly did business as Quadrant Group LLC, is a debt collection law office located in Buffalo, New York. It opened for business in 2008, has an estimated 20 employees, and is managed by Frank Falzone. Court files at the PACER website confirm that consumers who believed that they were being harassed by Falzone Law Associates refused to pay.
Alleged Violations against Falzone Law Associates*
According to information on the PACER website, in or around July 25, 2008, Falzone Law Associates allegedly called a Pennsylvania consumer and left a voice message stating that there was a “pending lawsuit filing in her county.”
When she returned the call, a company representative allegedly told her that “they were going to take her to court”, that “sheriff’s deputies were going to serve her with papers at her job”, that “if payment arrangements were made and violated, she could face three years in jail” and that “if they go into her banking account and not enough is there, then they will charge her with bank fraud”.
Frightened, the consumer agreed to a payment arrangement and requested that she receive confirmation in writing, but no confirmation was ever received. She also complained that on July 30, 2008 and July 31, 2008, collectors called her solely for the purpose of harassing her. When she called Falzone Law Associates to request the company’s address, a male representative allegedly stated that “he doesn’t need to deal with this sh*t.” She was also told, “You are on a payment plan, you don’t get to get a verification.”
Feeling harassed by Falzone Law Associates, the consumer sued the agency for:
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection law office are:
Seeing them on your caller ID when the phone rings confirms that Falzone Law Associates is trying to reach you. If they accuse you of having committed a crime and threaten lawsuits to persuade you to pay, hire a consumer lawyer and file a claim against Falzone Law Associates. You could receive $1,000 per FDCPA violation plus other damages. Never be too intimidated to fight back.
*Case taken from PACER (www.pacer.gov). File number is Case 2:08-cv-04544-MAM from the United States District Court for the Eastern District of Pennsylvania.
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 Falzone Law Associates or any other third-party collection agency, you may not be entitled to any compensation.