These days, the average household carries a credit card balance of $15,000. If you lose your job or anything else happens to affect your ability to pay, you may have debt collectors calling and sending you letters. If their collection attempts cross the line and become harassment, learn more about how you can protect yourself.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed over 40 years ago to regulate the activities of third-party debt collectors. It grants you the right to dispute a debt and tell collection agencies to stop to stop calling you. It also prohibits collection tactics like those below.
● Swearing and calling you names
● Calling at all hours of the day and night
● Discussing the debt with anyone except you, your spouse, and your attorney
● Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
● Ignoring a formal cease communication request
● Contacting you at work after being asked to stop
Company Profile: Finance Service of Norwalk
If you are being called by Finance Service of Norwalk, below is an overview of the company operations.
Finance Service of Norwalk is a debt collection agency located in Norwalk, Ohio. It was established in 1994, has fewer than 10 employees, and is managed by James L. Schepers. Archived litigation records at the PACER website confirm that consumers who believed that they were being harassed by Finance Service of Norwalk chose to fight back instead of pay.
Alleged Violations against Finance Service of Norwalk*
According to information on the PACER website, in or around September 2012, Finance Service of Norwalk started calling an Ohio consumer to collect a debt. She complained that even after she refused to pay and told them to stop calling, collectors continued to contact her up to two or three times a day.
Feeling harassed by Finance Service of Norwalk, the consumer went to a lawyer and sued the agency for:
● Using harassing and abusive means to collect a debt
● Harassing her by phone
A judge awarded her $2,535 in statutory damages and attorney’s fees.
Hire a Consumer Lawyer
The phone number for this debt collection company is 1-419-668-4130. If you see ever see it flashing on your caller ID, you are being called by Finance Service of Norwalk. If they call you several times a day even after you insist that you can’t pay the debt, hire a consumer lawyer and file a claim against Finance Service of Norwalk. You could receive $1,000 per FDCPA violation. When you stand up to a rogue debt collector, they could end up owing you money.
*Case taken from PACER (www.pacer.gov). File number is Case: 3:12-cv-02585-DAK from the United States District Court for the Northern District of Ohio, Eastern Division.
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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 Finance Service of Norwalk or any other third-party collection agency, you may not be entitled to any compensation.