When you’re dealing with a debt load that seems impossible, nothing is calculated to make you feel worse than a debt collector who belittles your inability to pay. Although they would never admit it, such actions are illegal and you can sue the agency if the harassment continues.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, imposes professional guidelines on third-party debt collectors and prohibits the use of deception, bullying, or intimidation to collect a debt payment. Examples of such actions are below.:
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Contacting you directly instead of your attorney
- Demanding amounts not supported by law or the original creditor agreement
- Using an autodialer to call you constantly
- Sharing details of your debt with unauthorized third parties
- Pretending to be attorneys and federal agents
Company Profile: Green and Son's Agency, Inc.
If you are being called by Green and Son's Agency, Inc., an overview of the company history and operations is below.
Green and Son's Agency, Inc., which also does business as Outsource Receivables Management, is a debt collection agency located in Ogden, Utah. It was founded in 1961, has 27 employees, and is managed by its President, Chris Green.
Litigation files archived at the PACER website reveal that consumers who believed they were being harassed by Green and Son's Agency, Inc. let a court decide whether they owed the debt.
Alleged Violations against Green and Son's Agency, Inc.
According to PACER, on or about July 25, 2008, Green and Son's Agency, Inc. sent a collection letter to a Utah consumer seeking payment for a debt that she had paid to them after a previous court action.
The letter, which was sent directly to her although she had legal representation regarding the debt, implied that her credit rating would be affected if she did not pay.
Feeling harassed by Green and Son's Agency, Inc., the consumer filed a lawsuit against the company for allegedly violating her rights by:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Using harassing and abusive means to collect a debt
- Contacting her directly instead of her attorney
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If the phone rings and you see either number on your caller ID, it means that Green and Son's Agency, Inc. is reaching out to you. If they try to collect an amount that you already paid them, don’t let them ‘double-dip.’
Hire a consumer lawyer and file a claim against Green and Son's Agency, Inc. You could receive $1,000 per FDCPA violation, so don’t allow a debt collector intimidate you into inaction.
Case taken from PACER (pacer.gov). File number is Case 1:08-cv-00117-TS from the United States District Court for the District of Utah, Central 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 Green and Son's Agency, Inc., or any other third-party collection agency, you may not be entitled to any compensation.