If nearly every call you get is from a debt collector, you’re probably anxious and stressed. Collection agencies are notorious for going to extreme measures to get consumers to pay debts they can’t afford. Fortunately, there are laws in place to protect you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects your rights no matter how much you owe. Any debt collector who subjects you to measures like those below can be fined thousands of dollars and closed permanently.
● Refusing to validate the debt
● Claiming to be police officers or federal agents
● Calling your friends and family and telling them about the debt
● Using an autodialer
● Demanding payment for a debt included in a bankruptcy
● Reporting inaccurate information to the credit bureaus
Company Profile: Felt & Lukes
If you are being called by Felt & Lukes, the firm’s history and operations are below.
Felt & Lukes is a law office and consumer collection agency in Hartland, Wisconsin. It was founded in 2008, has 15 employees, and is managed by Lynn Lukes. According to the firm’s website, it also teaches businesses how to improve their internal collections procedures. The PACER website records suggest that those who believed that Felt & Lukes was harassing them got a free case review from a consumer lawyer before standing up for themselves.
Alleged Violations against Felt & Lukes
According to PACER, on or around September 2, 2011, Felt & Lukes sent a collection letter to a Wisconsin consumer for a judgement that had been obtained the previous month. The consumer insisted that the letter only referenced a past due amount and did not clarify her right to dispute the debt and receive validation.
Feeling harassed by Felt & Lukes, the consumer sued the firm for:
● Failing to provide information about the debt, such as the name of the original creditor
● Not referencing or explaining her dispute rights
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection law firm are:
If they appear on your caller ID, it means that you are being called by Felt & Lukes. If their initial demand letter does not explain your right to dispute the debt and receive verification, hire a consumer lawyer and file a claim against Felt & Lukes. You may end up being awarded $1,000 per FDCPA violation, so don’t forget that you have the ability to make an overbearing debt collector stop.
*Case taken from PACER (www.pacer.gov). File number is Case 2:11-cv-01173-JPS from the United States District Court for the Eastern District of Wisconsin, Milwaukee 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 Felt & Lukes or any other third-party collection agency, you may not be entitled to any compensation.