If you are being chased by debt collectors, it is important to know your rights. Even if you actually owe the debt, you don’t have to tolerate mistreatment. The collectors may try to tell you differently, but the truth is that the law is on your side.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates how third-party collection agencies can pursue a consumer debt. Since 1977, when the law was enacted, tactics like the following have been illegal.
- Calling you before 8:00 a.m. and after 9:00 p.m. your time
- Discussing your debt with anyone except you, your spouse, or your attorney
- Claiming that you can be arrested, have your assets seized, or have your wages garnished if they do not pay
- Cursing and calling you names
- Contacting you if the debt collector is aware that you are being represented by an attorney
- Failing or refusing to validate the debt
Company Profile: FirstPoint Collection Resources, Inc.
If you are being called by FirstPoint Collection Resources, Inc., information about the company is below.
FirstPoint Collection Resources, Inc. is a debt collection company located in Greensboro, North Carolina. It was established in 2000, has between 500 and 900 employees, and is managed by its President, Mark Prince.
Litigation files viewable at the PACER (Public Access to Court Electronic Records) website reveals that consumers who felt they were being harassed by FirstPoint Collection Resources, Inc. hired attorneys to dispute the company’s claims.
Alleged Violations against FirstPoint Collection Resources, Inc.
According to PACER, on or around March 10, 2014, FirstPoint Collection Resources, Inc. sent a collection letter to a North Carolina resident to collect a medical debt.
The letter added, “A $3.00 CONVENIENCE CHARGE WILL BE ADDED TO YOUR PAYMENT IF USING A CREDIT CARD." Feeling harassed by FirstPoint Collection Resources, Inc., the plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Charging a convenience fee for debt payments
- Using false, deceptive and misleading means to collect a debt
- Using abusive and harassing means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of them appear on your caller ID, be aware that you are being called by FirstPoint Collection Resources, Inc.. If they require you to pay a convenience charge simply to pay a debt, contact a consumer attorney immediately.
Such fees are illegal, and if you file a claim against FirstPoint Collection Resources, Inc., you could be awarded $1,000 per FDCPA violation plus the legal costs of preparing and filing the claim. When debt collectors abuse your rights, an attorney can help you remind them of the consequences.
*Case taken from PACER (www.pacer.gov). File number is Case 5:15-cv-00091-F from the United States District Court for the Eastern District of North Carolina, Western 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 FirstPoint Collection Resources, Inc., or any other third-party collection agency, you may not be entitled to any compensation.