Have you ever signed up for a credit card, only to experience financial problems and have trouble paying it off? If so, you may have had the stressful experience of dealing with debt collectors who call you at home and work and try to scare or stress you into paying. Don’t give in- these tactics are illegal, and you can sue.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects consumers from being mistreated by third-party debt collectors. Any agency that uses tactics like those below to make you pay can be closed down.
- Yelling at you over the phone and making threats
- Trying to collect more than you legally owe
- Threatening to garnish your wages when they have not gotten a court order
- Leaving misleading voice messages that conceal their purpose
- Chasing you for a debt discharged in an earlier bankruptcy
- Threatening to destroy your credit
Company Profile: FirstCredit International Corporation
If you are being called by FirstCredit International Corporation, an agency overview is below.
FirstCredit International Corporation is a debt collection agency located in Akron, Ohio. It was founded in 1986, has fewer than 10 employees, and is managed by its President, Timothy D. Sheeler. Legal dockets indexed at the PACER website suggest that consumers who believed that they were being harassed by FirstCredit International Corporation went to court to take a stand.
Alleged Violations against FirstCredit International Corporation**
According to information on the PACER website, in or around June 2009, FirstCredit International Corporation began calling an Ohio consumer whose husband had incurred a medical debt. On or around July 13, 2009, she sent the agency a cease communication letter but allegedly continued to receive calls. FirstCredit International Corporation also placed the debt on her credit report.
Feeling harassed by FirstCredit International Corporation, the consumer engaged an attorney and sued the company for:
- Using harassing and abusive means to collect a debt
- Misrepresenting the legal status of the debt
- Using unfair and unconscionable means to collect a debt
- Communicating false information to the credit bureaus
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection company are:
Any time they appear on your caller ID, it is confirmation that you are being called by FirstCredit International Corporation. If they call you incessantly over someone else’s debt and even make a false notation on your credit report, hire a consumer lawyer and file a claim against FirstCredit International Corporation. If the court rules in your favor you could receive compensation of $1,000 per FDCPA violation, so be proactive when protecting your rights.
**Case taken from PACER (pacer.gov). File number is Case: 5:10-cv-00182-JRA from the United States District Court for the Northern District of Ohio, 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 FirstCredit International Corporation or any other third-party collection agency, you may not be entitled to any compensation.