Is Genpact calling you? Here's what you need to know
When hard times hit and your financial obligations--credit card bills, student loan payments, medical bill installments—go unpaid, one or more of your creditors may hire a third-party collection agency to obtain the outstanding balances. Even if the account is charged off, it could be sold to a junk debt buyer, who buys it for a fraction of the amount owed and then proceeds to chase you for the full balance.
Dealing with a debt collector can be stressful, particularly if they do the following:
- Call you several times a day
- Leave misleading voice messages to trick you into calling back
- Call you at work when your employer does not let you take personal calls
- Talk about the debt with anyone except you, your spouse, or an attorney you’ve engaged to represent you regarding the debt
- Threaten to have you arrested or imprisoned if you don’t pay at once
The good news is that you don’t have to tolerate this treatment. The Fair Debt Collection Practices Act, or FDCPA, imposes strict limitations on what debt collectors may say and do when collecting a debt. They are not allowed to threaten you, call you at inconvenient times, talk to unauthorized parties about the debt, or pretend to be law enforcement officers to scare you into paying.
Alleged Violations against Genpact*
Some debt collectors forget the rules or disregard them entirely. Genpact is a debt collection agency with an international presence. It began in 1997 as a unit within General Electric and now has offices all over the US: New York, Michigan, Ohio, Virginia, Connecticut, Illinois, Texas, and California. A search of the PACER (Public Access to Court Electronic Records) website indicates that Genpact has been sued several times over the years for alleged breaches of the FDCPA.
Between July 19 and August 6, 2012, a Florida resident received 23 phone calls that resulted in hang-ups and no message. On August 17, the plaintiff finally spoke to a representative of Genpact regarding an outstanding debt. At the time, he informed the debt collector that he was working with a debt settlement company and to not call back.
Despite this request, he received calls from Genpact on on August 18, August 20, August 21 and September 21, 2012. Each time, the plaintiff insisted that he was working with a debt settlement company and not to continue to call him directly. In the complaint he filed with the US District Court, He said that he felt “harassed and abused by Defendant’s constant and continuous telephone calls.”
The complaint accused Genpact of violating §1692d of the FDCPA by engaging in conduct of which the natural result is the abuse and harassment of the plaintiff and §1692d(5) by causing his telephone to ring repeatedly and continuously with the alleged intent to annoy, abuse, and/or harass him.
The matter was later settled.
The phone numbers associated with Genpact are 1-844-860-9383, 800-434 5808, 248-833-8000, 513-763-7660, 203-730-5130, 217-554-8856, 949-417-5131, 212-896-6600, 855-808-6695, 408-732-8700 and 570-825 6191. If any of these numbers appear on your caller ID, it means that a debt collector is trying to settle a debt with you.
If the Genpact caller continually hangs up without leaving a message, or persists in contacting you after you ask them to stop, see a consumer attorney. Genpact is legally required to cease all contact at your request unless it’s to advise you that the matter is being dropped or taken to court.
To do otherwise is to break the law, and you could win up to $1,000 per FDCPA violation as well as actual damages and litigation-related fees. You have the right to resolve your debt situation without being harassed, and the FDCPA makes it expensive for debt collectors to forget that.
*Case taken from PACER (www.pacer.gov). File number is 2:12-cv-14374-JEM, from United States District Court, Southern District of Florida, Fort Pierce Division.
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 Genpact or any other third-party collection agency, you may not be entitled to any compensation.