Is Frontier Financial Group, Inc. FFG calling you? Here’s what you need to know.
Anyone can run into hard time financially. Illness or unexpected job loss can create overdue mortgages, missed credit card payments, and student loans going into default. Once enough payments have been missed, the accounts could be turned over to third party collection agencies. Calls from debt collectors can be embarrassing at best and an outright nightmare at worst.
If the debt collector who calls you is aggressive when you can’t settle the debt outright or evasive when you request proof that they are authorized to collect it, rest assured that such behavior does not have to be tolerated.
The Fair Debt Collection Practices Act (FDCPA) is in place to protect consumers from harassment by third-party debt collectors. Any collection professional who violates one or more of its statutes can be penalized in court, but many debt collectors remain rude and unprofessional with consumers, hoping that they won’t be challenged.
Under the FDCPA, the following actions are illegal:
- Nonstop calling (for example, with an autodialer) with the intention of annoying or abusing the consumer
- Calling outside of 8:00 a.m. and 9:00 p.m. in the consumer’s timezone
- Contacting a consumer at their workplace after being told that such calls are not permitted by the employer
- Refusing or failing to stop communications upon request
- Shouting, swearing, and making threats
- Talking to a consumer’s friends, co-workers, and uninvolved family members about the debt
- Threatening legal action that they cannot take or have no intention of taking
Alleged Violations against Frontier Financial Group*
Frontier Financial Group is a collection agency located in Henderson, Nevada. Established in 2008, it employs a staff of approximately 20 to 49. Records archived by the PACER (Public Access to Court Electronic Records) website turn up several cases of Frontier Financial Group being sued for violating the FDCPA while trying to collect debt payments from consumers.
In 2009 an Arizona resident started getting calls from Frontier Financial Group representatives who sought payment for a previously incurred debt. In the complaint that he filed with the US District Court, the plaintiff alleged that debt collectors called him continuously, and sometimes hung up without leaving a message with the purpose of their call.
Frontier Financial Group was accused of violating the following FDCPA statutes:
- §1692d(5) by causing a telephone to ring repeatedly with the intent to annoy, abuse, and harass
- §1692d(6) by calling and then hanging up instead of making a meaningful disclosure of the caller’s identity
- §1692e(10) by using deceptive means in an attempt to collect a debt
- §1692e(11) by failing to reveal in subsequent communications that the calls were from a debt collector
The judge entered a default judgment in favor of the plaintiff.
The phone number for Frontier Financial Group is 1-888-966-6015, so if it appears on your caller ID, a debt collector is attempting to collect a debt. If they call frequently only to hang up, or leave messages that do not identify them as debt collectors seeking payment for a debt, contact a consumer attorney. All third-party debt collectors are legally required to abide by the FDCPA, and failure to do so can cost them $1,000 per FDCPA violation as well as plaintiff court costs and attorney’s fees.
*Case taken from PACER (www.pacer.gov). File number is 2:09-cv-02627-JWS from United States District Court, District of Arizona.
Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Frontier Financial Group or any other third-party collection agency, you may not be entitled to any compensation.