Are you being called by Gold Key Credit, Inc.?* Here's what you need to know
Anyone can find themselves suddenly hit by money problems. When bills go unpaid, the accounts are turned over to a third-party collection agency, and the calls and letters begin. What you need to know is that these companies may attempt to collect a debt from you, but bullying you in the process is against the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates how third-party debt collectors may deal with consumers while trying to collect a debt. They must refrain from using deceptive or abusive tactics like those listed below:
- Failing to identify themselves during each communication as a debt collector
- Telling your friends, neighbors, and co-workers that you owe a debt
- Calling you at work after being informed that the workplace does not allow non-business calls
- Threatening action they are not in a position to legally take
- Using profane or obscene language
- Misrepresenting how much you owe
Company Profile: Gold Key Credit, Inc.
If you are being called by Gold Key Credit, Inc., information about the company is below.
Gold Key Credit, Inc. is a debt collection agency located in Brooksville, Florida. It was established in 1996, has approximately 50 employees, and is managed by its CEO, Robert E. Jenkins III. The Better Business Bureau has given it a rating of B+. Records archived at the PACER (Public Access to Court Electronic Records) website confirm that people who believed they were being harassed by Gold Key Credit, Inc. stood up to the company in court.
Alleged Violations against Gold Key Credit, Inc.
According to PACER, on or about April 29, 2014, a Connecticut resident called Gold Key Credit, Inc. in an attempt to make a payment arrangement regarding a debt. During the conversation, she disclosed that she received a check from her insurance company made out to herself. A representative from Gold Key allegedly insisted that she “took money that did not belong to her” and refused to make a payment arrangement with her.
Feeling harassed by Gold Key Credit, Inc., the plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing and abusive means to collect a debt
- 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 an Attorney
The phone numbers for this collection agency are:
If any of these numbers appear on your caller ID when the phone rings, it means that you are being called by Gold Key Credit, Inc.. If they treat you in a demeaning manner when you try to make a payment arrangement, hire a consumer attorney. If you file a claim against Gold Key Credit, Inc. and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. An attorney will help you safeguard the rights that the law grants to you.
*Case taken from PACER (www.pacer.gov). File number is Case 3:14-cv-00957-AWT from the United States District Court for the District of Connecticut.
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 Gold Key Credit, Inc., or any other third-party collection agency, you may not be entitled to any compensation.