If you’re one of the many people being pursued by debt collectors, it’s easy to feel intimidated and overwhelmed by the calls and letters. While it’s legal for these agencies to communicate with you about a debt, they must follow federal guidelines when doing so or risk legal action.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using collection practices that include coercion, harassment, and deception. It also gives you the right to dispute the debt and sue agencies that subject you to the following:
● Swearing at you
● Refusing to identify themselves as debt collectors in every communication
● Discussing your debt with anyone except you, your spouse, or your attorney
● Calling before 8:00 a.m. and after 9:00 p.m. in your time zones
● Demanding amounts not supported by law
● Showing up at your house to intimidate you
Company Profile: Gulf State Credit, LLC
If you are being called by Gulf State Credit, LLC, a company summary is below.
Gulf State Credit, LLC is a debt collection agency in Duluth, Georgia. It opened for business in 1998, has approximately 100 employees, and is managed by a company called Account Portfolio, Inc. Archived records maintained at the PACER website confirms that consumers who believed that they were being harassed by Gulf State Credit, LLC stood their ground.
Alleged Violations against Gulf State Credit, LLC*
According to information on the PACER website, in or around 2004, a New Jersey consumer checked her credit report and saw that Gulf State Credit, LLC was reporting a debt that had been discharged in a 2003 Chapter 7 bankruptcy. She disputed the debt, but the company allegedly continued to report it as valid.
Feeling harassed by Gulf State Credit, LLC, she hired a consumer lawyer and took action against the company for:
● Reporting inaccurate information to the credit bureaus.
● Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-800-619-3419. If it shows up on your caller ID at any time, it means that you are being called by Gulf State Credit, LLC. If they report discharged debts to the credit bureaus, hire a consumer lawyer and file a claim against Gulf State Credit, LLC. You may collect up to $1,000 in statutory damages, so acting on your rights can pay off.
*Case taken from PACER (www.pacer.gov). Case 2:05-cv-05593-KSH-PS from the United States District Court for the District of New Jersey.
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 Gulf State Credit, LLC or any other third-party collection agency, you may not be entitled to any compensation.