Are you being woken up by debt collectors early in the morning and late at night? Are you afraid to answer your phone or check your mail? If collection agency misconduct is hurting your life to this extent, it’s time to learn more about the laws that affect debt collectors and how they protect you from these situations?
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, specifies how and when a third-party debt collector can contact you. When you don’t want any more calls or letters, you can order a company to stop communicating with you.
If they ignore your request or subject you to abuses like those below, you can sue.
- Threatening you and your loved ones with physical violence
- Re-aging a debt to make it appear to be still collectible
- Making threats that they cannot legally carry out
- Using obscene language
- Refusing to prove that they are authorized to collect the debt
- Calling you at work after being asked to stop
Company Profile: Global Payments Check Services, Inc.
If you are being called by Global Payments Check Services, Inc., here is some more information about this debt collector.
Global Payments Check Services, Inc. is a debt collection agency located in Niles, Illinois. It was founded in 1964, has approximately 100 employees, and is managed by Keith Gardeck. It specializes in gaming cash access services.
Records viewable at the PACER website confirm that consumers who believed they were being harassed by Global Payments Check Services, Inc. challenged it in court.
Alleged Violations against Global Payments Check Services, Inc.
According to PACER, in or around October 2017, Global Payments Check Services, Inc. started trying to collect a credit card debt from an Illinois consumer.
He complained that he started receiving calls on his cell phone that appeared to be made by an autodialer: when he answered, there was a noticeable pause, lasting several seconds in length, before being connected to a live representative.
The consumer told the callers that he didn’t owe them any money and to stop calling, but the unwanted communications allegedly continued.
Feeling harassed by Global Payments Check Services, Inc., he engaged the services of a consumer lawyer and sued the agency for allegedly violating his rights by:
- Using harassing and abusive means to collect a debt
- Calling him by using an autodialer
- Continuing to call after being asked to stop
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If they appear on your caller ID, it’s a sign that you are being called by Global Payments Check Services, Inc. If they use an autodialer to send a stream of calls to your cell phone and ignore your request to stop calling, exercise your rights by hiring a consumer lawyer and filing a claim against Global Payments Check Services, Inc.
When they don’t listen to you the first time, a lawsuit is an expensive reminder that the FDCPA is in place for a reason.
Case taken from PACER (www.pacer.gov). File number is Case: 1:18-cv-03037 from the United States District Court for the Northern District of Illinois, Eastern 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 Global Payments Check Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.