According to the Association of Credit and Collection Professionals, debt collectors make over a billion contacts with consumers every year. Unfortunately, many debt collectors are demanding and abusive when dealing with people who are unaware that such collection activities are illegal under federal law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires third-party debt collectors to be professional when communicating with consumers, so any abusive behavior is against the law. Below are some actions that can put a collection agency out of business.
- Calling at all hours of the day and night
- Demanding outrageous amounts that exceed the amount of the original debt
- Discussing the debt with anyone except you, your spouse, or your attorney
- Threatening legal action they cannot take or have no intention of taking
- Using profane or obscene language
- Failing or refusing to validate the debt
Company Profile: H & A Credit Corporation
If you are being called by H & A Credit Corporation, information about the company is below.
H & A Credit Corporation is a collection agency located in Stone Mountain, Georgia. It was established in 2001, has less than 10 employees, and is operated by its President, Bruce S. Harris.
According to court records archived by the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by H & A Credit Corporation went to court to resolve the situation.
Alleged Violations Against H & A Credit Corporation
According to PACER, in or around 2009, H & A Credit Corporation began trying to collect a consumer debt from a Georgia consumer. The company allegedly left a series of voicemail messages that did not disclose that the caller was a debt collector, forcing him to discover the fact on his own.
Feeling harassed by H & A Credit Corporation,the consumer hired a consumer attorney and sued the company for allegedly violating the FDCPA by:
- Using false, deceptive, and misleading means to collect a debt
- Failing to identify itself as a debt collector in all communications
The matter was later dismissed.
Hire an Attorney
The phone number for this collection agency is 1-770-413-4961. If it appears on your caller ID, be aware that you are being called by H & A Credit Corporation.
If they leave messages that do not identify them or the fact that they are a debt collector, hire a consumer attorney who can help you file a claim against H & A Credit Corporation. That attorney can help you determine what materials you’ll need to have a strong case.
If you win, you could potentially be awarded financial compensation. In practice, this means you could earn $1,000 per FDCPA violation plus associated costs and damages. When debt collectors mistreat you, you may receive compensation that exceeds the original debt.
The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against H & A Credit Corporation, or any other third-party collection agency, you may not be entitled to any compensation.
**Case taken from PACER (www.pacer.gov). File number is Case 1:09-cv-02463-WBH from the United States District Court for the Northern District of Georgia, Atlanta Division.