Receiving daily phone calls and letters that threaten lawsuits and other consequences is alarming and stressful. You want it to stop, but the debt collector ignores your cease communications letters and says they won’t stop contacting you until you pay.
Don’t tolerate, as legal counsel is more accessible than you think.
Your Rights Under the FDCPA
Under the Fair Debt Collection Practices Act (FDCPA), indebted consumers are entitled to protection against abuse, deceit, harassment and other forms of unfair treatment from third-party collection agencies. If you are subjected to any of the following, your rights have been violated and you can sue.
- Using profane and obscene language
- Contacting you at work despite knowing that personal calls are not allowed there
- Failing or refusing to identify themselves as debt collectors trying to collect a debt
- Contacting you after you have formally requested that all communications cease
- Pretending to be police officers, government officials, or any other law enforcement figure
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
Company Profile: Glacier Financial Services, Inc.
If you are being called by Glacier Financial Services, Inc., information about the company is below.
Glacier Financial Services, Inc is a debt collection office located in Centennial, Colorado. It was established in 2002, has 10 to 19 employees, and is managed by its owner, Jeff Tremayne.
Civil litigation records viewable at the PACER (Public Access to Court Electronic Records) website indicate that people who believed they were being harassed by Glacier Financial Services, Inc. refused to pay what they did not believe they owed.
Alleged Violations against Glacier Financial Services, Inc.
According to PACER, on or around May 18, 2005 Glacier Financial Services, Inc. sent a collection letter to a Colorado man demanding a payment of $2374.57 for an alleged debt.
The principal was listed as $2324.65 and interest of $49.92. A letter the previous April fixed the interest at $18.33, however, and the consumer was certain that the principal amount included accrued interest that was not properly designated.
Feeling harassed by Glacier Financial Services, Inc., he hired a consumer lawyer and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire a Lawyer
The phone number for this debt collection company is 1-303-925-1303. If it appears on your caller ID at any time of the day or even night, it means that you are being called by Glacier Financial Services, Inc.
If they demand amounts that do not correctly divide the principal and the interest, hire a consumer lawyer. Deceiving consumers is illegal, and if you file a claim against Glacier Financial Services, Inc. with your lawyer’s help, you could win $1,000 per FDCPA violation.
Forgetting that you have rights can be a major professional mistake.
Case taken from PACER (www.pacer.gov). File number is Case 2:06-cv-01579-BMS from the United States District Court for the Eastern District of Pennsylvania.
*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 Glacier Financial Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.