Are you being called by Financial Collection Agency of Tennessee, Inc.?* Here's what you need to know.
When we experience an unexpected financial setback, debt that was once comparatively easy to manage can get out of control. After an account goes into arrears, debt collectors will start calling, and many of them are relentless when it comes to seeking payment. If you find yourself dealing with a collector who is rude and intrusive, remember that you have rights no matter how much you owe.
Your Rights Under the FDCPA
If a collection agency is harassing you, they’ve broken the law and can be fined or even lose their license. The Fair Debt Collection Practices Act, or FDCPA, makes it illegal to use pressure tactics like these to settle a consumer debt.
- Using profane or obscene language
- Leaving voice messages that do not identify the collector and the purpose of their call
- Demanding outrageous amounts that exceed the amount of the original debt
- Failing or refusing to identify themselves as debt collectors trying to collect a debt
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Contacting you directly after you have retained an attorney regarding the debt
Company Profile: Financial Collection Agency of Tennessee, Inc.
If you are being called by Financial Collection Agency of Tennessee, Inc., information about the company is below.
Financial Collection Agency of Tennessee, Inc. is a debt collection company located in Memphis, Tennessee. It was established in 2007, has 50 to 99 employees, and is managed by Richard Plass. According to digitized litigation records maintained by the PACER (Public Access to Court Electronic Records) website, people who believed they were being harassed by Financial Collection Agency of Tennessee, Inc. responded with court actions of their own.
Alleged Violations against Financial Collection Agency of Tennessee, Inc.
According to PACER, in November 2010 Financial Collection Agency of Tennessee, Inc. sent a collection letter to two Tennessee residents regarding an alleged fitness membership debt. The plaintiff had originally taken out the membership, but insisted that he had cancelled it and did not owe the money.
On November 22, a collector who identified himself as ‘Mr. Jones’ called the plaintiff’s cell phone and left a voicemail message in which he simply stated that he was calling on an “urgent matter.” When the plaintiff called back, “Mr. Jones” allegedly stated that he and Karen owed “just under $300.00.”
On or about May 5, 2011, another collector, “Brad Hurt,” called the plaintiff’s cellphone and allegedly left an ambiguous voicemail. When she returned the call, he allegedly swore and threatened to “ruin” her credit unless she paid the alleged debt.
Feeling harassed by Financial Collection Agency of Tennessee, Inc., the plaintiffs hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Discussing the debt with uninvolved third parties
A judgement was entered in favor of the plaintiffs.
Hire an Attorney
The phone numbers for this collection agency are:
If you see any of them on your caller ID, it’s confirmation that you are being called by Financial Collection Agency of Tennessee, Inc..If they threaten to ruin your credit when you refuse to pay a debt you don’t owe, hire a consumer attorney. If you file a claim against Financial Collection Agency of Tennessee, Inc., you could potentially win $1,000 per FDCPA violation, plus court-related costs, so acting on your rights can get you the compensation you deserve.
*Case taken from PACER (www.pacer.gov). File number is Case 2:11-cv-02711-SHM-tmp from the United States District Court for the Western District of Tennessee.
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 Financial Collection Agency of Tennessee, Inc., or any other third-party collection agency, you may not be entitled to any compensation.