The possibility of receiving a 5000% return on investment encourages collection agencies to use hostile, deceptive and unfair tactics on targeted consumers. 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 third-party collection agencies to be civil and transparent when contacting you about a debt. Collection actions like those listed below are illegal and can result in penalties like fines and license revocation.
- Calling at inconvenient times
- Ignoring a formal cease communications request
- Contacting you at work after being advised that you are not allowed to talk to them there
- Threatening to damage your reputation and credit rating
- Use profane or obscene language
- Leaving voice messages that do not identify the collector and the reason for their call
Company Profile: Gemini Capital Group
If you are being called by Gemini Capital Group, an overview of the company and its management are presented below.
Gemini Capital Group is a collection agency located in White Plains, New York. It opened for business in 2010, has ten employees, and is managed by Roger Neustadt. The PACER website includes consumer litigation records confirming that consumers who believed that they were being harassed by Gemini Capital Group hired legal counsel to protect themselves.
Alleged Violations against Gemini Capital Group
According to PACER, in or around July or August 2010, Gemini Capital Group began garnishing the bank account of a consumer it had obtained a judgment against. He complained that he had not received any notice before the garnishment began, although the Fourteenth Amendment stated that he was entitled to notice.
Feeling harassed by Gemini Capital Group, the consumer hired an attorney and sued the agency for allegedly:
- Misrepresenting the character, amount, or legal status of a debt
- Taking action that cannot legally be taken
The matter was settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If these numbers appear on your caller ID when the phone rings, it means that Gemini Capital Group is trying to reach you. If they collect a debt in ways that violate federal law, hire a consumer lawyer and file a claim against Gemini Capital Group.
A judge could award you $1,000 plus your attorney fees, so when a collection agency ignores your rights, let the law help you send a reminder.
Case taken from PACER (pacer.gov). File number is Case 4:10-cv-00560-HDV-CFB from the United States District Court for the South District of Iowa, Central 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 Gemini Capital Group or any other third-party collection agency, you may not be entitled to any compensation.