Debt collectors can break the law in ways that you may not even recognize as illegal. They demand that you pay a debt that was discharged in bankruptcy. They call your family and your boss. These attempts at bullying you violate the law and a consumer attorney can help you stop it.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, allows consumers to dispute and/or demand information about the debt that they allegedly owe. Any collection agencies that employ tactics like those below can be sued.
● Leaving threatening messages on your voicemail
● Ignoring a cease communications letter
● Calling every hour and hanging up when you answer
● Demanding amounts not supported by law or the original creditor agreement
● Claiming they have a warrant for your arrest
● Using an autodialer to contact you incessantly
Company Profile: Hamilton Accounts Services, Inc.
If you are being called by Hamilton Accounts Services, Inc., below is a more detailed company overview.
Hamilton Accounts Services, Inc. is a debt collection agency in Buffalo, New York. It was founded in 2003, has fewer than 10 employees, and is managed by its President, Todd Luedeke. The PACER website archives include records revealing that consumers who believed that they were being harassed by Hamilton Accounts Services, Inc. chose to confront the agency with legal action.
Alleged Violations against Hamilton Accounts Services, Inc.*
According to information on the PACER website, on or around March 4, 2016, a Texas consumer checked his credit report and saw that Hamilton Accounts Services, Inc. was reporting a debt.He subsequently discovered that the agency was not authorized to collect debts in Texas.
Feeling harassed by Hamilton Accounts Services, Inc., the consumer hired a lawyer and sued the company for:
● Using unfair and unconscionable means to collect a debt
● Using false, deceptive, and misleading means to collect a debt
A judge awarded the consumer $4,044.
Hire a Consumer Lawyer
The phone number for this debt collection agency is:
If the phone rings and you see these numbers on your caller ID, it is important to understand that you are being called by Hamilton Accounts Services, Inc. If they take collection actions against you when they are not bonded or licensed in your state, hire a consumer lawyer and file a claim against Hamilton Accounts Services, Inc.. You could be awarded statutory damages of $1,000 plus legal costs. When a debt collector takes things too far, they could have a lot to lose.
*Case taken from PACER (www.pacer.gov). Case 4:16-cv-00389-O from the United States District Court for the Northern District of Texas, Fort Worth 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 Hamilton Accounts Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.