Here’s what you need to know if Grimley Financial is calling you.
If you find yourself sinking into debt, you’re not alone. Every day, Americans lose their jobs due to layoffs or company restructuring, or become injured and are unable to work.
Divorce, a collapsed roof, and urgent car repairs are also crises that can consume the portion of your income that used to go toward credit card bills or the mortgage./p>
Whatever the reason, when you miss a certain number of payments, the creditors will eventually send the accounts off for collection.
That’s when an already-bad situation becomes worse: debt collectors start calling, sending letters, and behaving in ways that are not always professional.
Legally, third-party debt collectors must be professional and fair when trying to collect payments from you. Under the Fair Debt Collection Practices Act, or FDCPA, they are not allowed to do any of the following:
- Call you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Call you at work when your employer does not allow such calls
- Use profanities, racial slurs, and other language calculated to upset and intimidate you
- Refuse to validate the debt and prove that they are authorized to collect it
- Tell you that you can be imprisoned for owing money
- Demand amounts inflated by ‘service fees’
Alleged Violations against Grimley Financial Corporation*
When it comes to getting your money, many debt collectors choose to disregard the law entirely. Many are firm believers in the philosophy that courtesy and ethical behavior don’t pay.
Grimley Financial Corporation is a collection agency located in Haddonfield, New Jersey. It was established in 1986, employs a team of 20 to 49 staff, and is a member of both the Association of Credit and Collection Professionals and the International Association of Commercial Collectors. Records on file at the PACER (Public Access to Court Electronic Records) website indicate that Grimley Financial Corporation has been accused of violating the FDCPA when attempting to collect consumer debts.
Nyesha Russell v. Grimley Financial Corporation
From July to September 2013, a Pennsylvania resident received regular calls from Grimley Financial Corporation about an alleged medical debt.
She later complained that the company’s agents called her at least once a day, sometimes twice, and ignored her when she demanded that the communications cease.
Believing that Grimley Financial Corporation was trying to harass her into paying the debt, the plaintiff hired a consumer attorney and filed a complaint accusing the company of the following FDCPA violations:
- Using using harassing and abusive means to collect a debt
- Causing the phone to ring frequently with the full intent of annoying her
- Using unfair or unconscionable means to collect a debt
The matter was later dismissed.
The phone numbers for Grimley Financial Corporation are 1-877-673-1414 and 1-856-672-0265. If either number appears on your caller ID, a debt collector is attempting to settle a debt with you. If they call every day and disregard your request to cease communications, see a consumer attorney.
When you make such a request, the agency is obliged to stop all contact unless it is to confirm that the matter is being dropped or entering the litigation stage.
To do otherwise is illegal, and a court could potentially award you $1,000 per FDCPA violation, as well as court costs, attorney fees, and any actual damages. Consumers have rights even if they do owe a debt, a fact that collectors are wise to remember.
*Case taken from PACER (www.pacer.gov). File number is 2:14-cv-04430-NIQA from the United States District Court, Eastern District of Pennsylvania.
Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Grimley Financial Corporation or any other third-party collection agency, you may not be entitled to any compensation.