Debt can accumulate for reasons that have nothing to do with financial irresponsibility. You could lose your job unexpectedly, become seriously ill, or be diagnosed with a disability, leaving you unable to stay on top of your debts. However, if a collection agency tries to bully you into paying, you can fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to stop aggressive debt collectors. Under the FDCPA, collection agencies cannot use tactics like the following when dealing with consumers.
● Use profane or obscene language
● Call you at work when your employer does not allow such calls
● Threaten legal actions that they have no intention of taking
● Calling before 8:00 a.m. and after 9:00 p.m
● Publicly shaming the consumer
● Ignoring a formal cease communications request
Company Profile: First Choice Assets, LLC
If you are being called by First Choice Assets, LLC, a company history is below.
First Choice Assets, LLC is a debt collection agency in Buffalo, New York. It opened for business in 2006, has 10 employees, and is managed by George Bechakas. Consumer litigation records at the PACER website show that those who felt harassed by First Choice Assets, LLC took the company to court and in some cases won judgments.
Alleged Violations against First Choice Assets, LLC
According to PACER, on or around December 6, 2016, First Choice Assets, LLC called an Illinois consumer. She later said that the caller did not identify themselves as a debt collector before asking for personal information like her Social Security number.
Feeling harassed by First Choice Assets, LLC, the consumer got a free case review from a consumer lawyer before taking the company to court for:
● Using abusive and deceptive means to collect a debt
● Not identifying itself as a debt collector during the call.
A judge awarded the consumer $1,000 in damages.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they show up on your caller ID, First Choice Assets, LLC may be trying to reach you. If they demand personal information without properly identifying themselves first, hire a consumer lawyer and file a claim against First Choice Assets, LLC. Don’t let yourself be pushed around- when a collection agency treats you badly, you could emerge the winner in court.
*Case taken from PACER (www.pacer.gov). File number is Case: 1:17-cv-00316 from the United States District Court for the District of Connecticut.
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 First Choice Assets, LLC or any other third-party collection agency, you may not be entitled to any compensation.