Too many debt collectors refuse to respect boundaries when it comes to collecting money. They will call you late at night, use abusive language, and threaten to garnish your wages. What they’re doing is illegal, but they hope that you will be too unfamiliar with your rights as a consumer to act on them.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from being abused into bankruptcy. It still regulates what third-party debt collectors may say and do and prohibits abusive tactics like those below.
- Threatening legal actions they have no intention of carrying out
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Demanding high amounts inflated by service ‘fees’
- Swearing and calling you names
- Contacting you after you have sent a cease and desist letter
- Failing or refusing to report a debt as disputed to the credit bureaus
Company Profile: Granite Creditors Service, Inc.
If you are being called by Granite Creditors Service, Inc., here are some additional company details.
Granite Creditors Service, Inc. is a debt collection agency in Pacifica, California. It was founded in 2010, has fewer than 10 employees, and is managed by owner Steve Wright. According to the company website, it contributes 1% of its gross monthly revenues to the Rotary International PolioPlus Campaign.
Digitized legal files at the PACER website confirm that consumers who thought that they were being harassed by Granite Creditors Service, Inc. stood their ground and challenged the debt.
Alleged Violations against Granite Creditors Service, Inc.
According to PACER, on or around April 5, 2017, an Arizona consumer checked her credit report and saw that Granite Creditors Service, Inc. was reporting a debt that she had already settled with the original creditor.
It listed the current balance and past due amount of $7,434 and an original balance of $6,280, which represented allegedly unauthorized interest and fees.
Granite Creditors Service, Inc. allegedly stated it would apply the payment to the original creditor as a partial payment to the debt, but the consumer and her husband checked their credit reports and saw that nothing had changed.
When they called the agency, the owner allegedly stated that he would never stop coming after them and that he would never update their credit reports until the debt was fully paid.
Feeling harassed by Granite Creditors Service, Inc., the consumers sued the agency and its owner for:
- Misrepresenting the character, amount, or legal status of the debt
- Trying to collect an amount not permitted by law or the original creditor agreement
- Using harassing and abusive means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-650-898-8496. Seeing it on your caller ID is a sign that Granite Creditors Service, Inc. is trying to collect money from you.
If they threaten to convey inaccurate information to the credit bureaus unless you pay, take a stand by hiring a consumer lawyer and filing a claim against Granite Creditors Service, Inc. Any debt collector who violates your rights can be ordered to pay you $1,000 per incident, so don’t be intimidated by their threats. Act on your rights instead.
Case taken from PACER (pacer.gov). File number is Case 2:17-cv-02459-DLR from the United States District Court for the District of Arizona.
*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 Granite Creditors Service, Inc. or any other third-party collection agency, you may not be entitled to any compensation.