Most debt collectors work on a commission basis, meaning that they don’t get paid until they get your money. It is in their best interests to get you to pay the debt immediately, so they do not hesitate to threaten, use obscene language, and be deceptive to make you pay.
Not only is this conduct deceptive, it’s also illegal.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates the actions of third-party debt collectors and prohibits tactics like the following. Any collection agency that uses them faces significant sanctions.
- Using profane or obscene language
- Leaving voice messages that do not identify the collector and the purpose of their call
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Threatening to damage your reputation and credit rating
- Refusing to validate the debt and prove that they are authorized to collect it
- Telling you that you can arrested or imprisoned for nonpayment of a debt
Company Profile: George Brown Associates, Inc.
If you are being called by George Brown Associates, Inc., an overview of the company and its management are presented below.
George Brown Associates, Inc. is a collection agency located in Charlotte, North Carolina. It was founded in 1976, has ten employees, and is managed by its President, Robert Salmon.
Consumer litigation cases indexed at the PACER website suggest that consumers who believed that they were being harassed by George Brown Associates, Inc. refused to pay and fought back.
Alleged Violations against George Brown Associates, Inc.
According to PACER, in or around February 2014, a Florida consumer checked her credit report and found that George Brown Associates, Inc. was reporting a medical debt that she had never incurred.
She contacted the agency, advised that the debt was not hers, and disputed it. The agency, however, continued to report the debt as valid.
Feeling harassed by George Brown Associates, Inc., the consumer sued the company for allegedly sending inaccurate information to the credit bureaus.
The matter was dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Seeing these numbers on your caller ID means that you are being called by George Brown Associates, Inc. If they ignore you when you deny ownership of a debt and keep submitting incorrect information to the credit bureaus, your next step should be hiring a consumer lawyer and filing a claim against George Brown Associates, Inc.
When you lose credit opportunities because a collection agency behaves illegally, the law entitles you to compensations of $1,000 per FDCPA violation, so take action when a debt collector crosses the line.
Case taken from PACER (pacer.gov). File number is Case 0:14-cv-61318-JIC from the United States District Court for the Southern District of Florida.
*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 George Brown Associates, Inc. or any other third-party collection agency, you may not be entitled to any compensation.