Debt collector harassment comes in many forms, including deceptive letters, aggressive language, and bullying lawsuits. Consumers who are unaware of their rights are often confused and taken advantage of by the manipulative tactics that debt collectors frequently employ. Don’t let yourself be pushed around: if a debt collector is making your life miserable, contact a consumer lawyer.
Your Rights Under the FDCPA
If a collection agency is bothering you, they 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.
- Raising their voice and making threats they have no intention of following up on
- Telling your friends, coworkers, and neighbors that they’re trying to collect a debt from you
- Contacting you even after you’ve ordered them to cease communications
- Using profane or obscene language
- Calling you at inconvenient times and places, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Leaving voice messages that do not identify the collector and the purpose of their call
Company Profile: Financial Corporation of America
If you are being called by Financial Corporation of America, information about the company is below.
Financial Corporation of America is a debt collection office located in Austin, Texas. It was established in 1989, has approximately 60 employees, and is managed by its owner, Pamela Pickett. A large percentage of its business appears to be dedicated to healthcare collections. A review of court dockets digitized at the PACER (Public Access to Court Electronic Records) website confirms that people who believed they were being harassed by Financial Corporation of America escalated the matter to federal court.
Alleged Violations against Financial Corporation of America*
According to PACER, Financial Corporation of America began calling a California man to collect a debt. He complained that many of these calls were made using an automatic dialer, and that in or around January of 2013 he informed the company that he disputed the debt and to stop contacting him. The automated calls allegedly continued.
Feeling harassed by Financial Corporation of America , he hired a consumer attorney and sued the company for allegedly violating the FDCPA by:
- Harassing him by phone
- Using unfair and unconscionable means to collect a debt
- Using harassing and abusive means to collect a debt
The matter was later settled.
Hire an FDCPA Lawyer
The phone numbers for this debt collection company are as follows:
If any of them appear on your caller ID when the phone rings, it means that you are being called by Financial Corporation of America. If they keep calling you using an autodialer and ignore your cease communications request, hire a consumer lawyer to help you file a claim against Financial Corporation of America. If you win your case, you may receive $1,000 per FDCPA violation in addition to court costs and reasonable attorney fees. Never submit to bullying when the law protects you from such treatment.
*Case taken from PACER (pacer.gov). File number is Case 5:14-cv-01958-VAP-KK from the United States District Court for the Central District of California, Eastern 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 Financial Corporation of America, or any other third-party collection agency, you may not be entitled to any compensation.