The possibility of receiving a huge return on investment encourages debt collectors to use hostile and unethical collection strategies on consumers who are struggling financially. If you ever find yourself on the receiving end of such abuse, a consumer attorney can help you protect your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires collection agencies to be civil when contacting you about a debt. Actions like those listed below are illegal and can cause an offender to lose their license.
● Using profane or obscene language
● Leaving voice messages that do not identify the collector
● Calling you before 8:00 a.m. and after 9:00 p.m.
● Threatening to damage your credit rating
● Refusing to validate the debt
● Telling you that you can arrested or imprisoned for nonpayment of a debt
Company Profile: Foster and Monroe
If you are being called by Foster and Monroe, a synopsis of the agency’s history and operations is below.
Foster and Monroe is a debt collection agency in Orchard Park, New York. It opened for business in 2013, has 17 employees, and is managed by Joe Coffman. An inspection of legal records maintained at the PACER website confirm that people who felt they were being harassed by Foster and Monroe protected themselves by fighting back.
Alleged Violations against Foster and Monroe
According to PACER, in or around early 2016, Foster and Monroe began calling a Georgia consumer. She alleged that the calls were made by an autodialer and left messages asking her to call them back before filing “in your jurisdiction.”
Feeling harassed by Foster and Monroe, the consumer sued the agency for:
● Calling her using an autodialer
● Not identifying itself as a debt collector in all communications
● Implying that legal action was forthcoming when it was not
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If any of them appear on your caller ID unexpectedly, Foster and Monroe are trying to reach you about paying a debt. If they leave voicemails that threaten legal action to make you pay, hire a consumer lawyer and file a claim against Foster and Monroe. Such conduct is illegal, and you could be awarded $1,000 plus your attorney fees, so take action when you know you are in the right.
*Case taken from PACER (www.pacer.gov). File number is Case 1:16-cv-01299-LMM from the United States District Court for the Northern District of Georgia, Atlanta 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 Foster and Monroe or any other third-party collection agency, you may not be entitled to any compensation.