Every day, hundreds (if not thousands) of Americans are harassed by collection agencies over debts that they can no longer afford to pay. This includes credit card accounts, medical bills, student loans, and more.
While it is legal for a debt collector to contact you about paying a bill, outright harassment is illegal and you can take action to make it stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates the conduct of third-party debt collectors. Collection methods like those below are illegal and can potentially result in thousands of dollars’ worth of fines.
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Using profane or obscene language
- Telling you that you can be arrested and sent to prison if you don’t pay
- Demanding an amount that’s not supported by law or the original creditor agreement
- Pretending to be members of law enforcement
- Attempting to collect a debt that is in dispute
Company Profile: Harbinger Processing Group, LLC
If you are being called by Harbinger Processing Group, LLC, here are some additional details about the company.
Harbinger Processing Group, LLC, which now does business as Hatfield Portfolio Group, is a debt collection company in Amherst, New York. It was founded in 2010, has approximately 20 people, and is managed by Jason Buzak.
It has a D- rating with the Better Business Bureau for failure to respond to complaints. Litigation records viewable at the PACER website indicate that consumers who felt they were being harassed by Harbinger Processing Group, LLC went to court to fight.
Alleged Violations against Harbinger Processing Group, LLC
According to PACER, on or around December 19, 2013, Harbinger Processing Group, LLC sent a collection letter to an Illinois consumer demanding payment for a payday loan debt.
She alleged that the letter did not properly identify the original creditor and that one collector called her at work the following January and claimed that if she didn’t pay, she would be “immediately served at work.”
Feeling harassed by Harbinger Processing Group, LLC, the consumer obtained legal counsel and sued the company for allegedly violating her FDCPA rights in the following ways:
- Threatening actions they could not legally take
- Failing to provide her with legally required creditor information
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Harbinger Processing Group, LLC are as follows:
Any time you see one of them on your caller ID, it means that Harbinger Processing Group, LLC is on the line. If they threaten to embarrass you at work if you don’t pay, see a consumer lawyer about your situation and consider filing a claim against Harbinger Processing Group, LLC.
Companies that violate the FDCPA could be ordered to pay you $1,000 per incident plus court costs and attorney fees, so stand your ground when a debt collector goes too far.
Case taken from PACER (pacer.gov). File number is Case: 1:14-cv-00748 from the United States District Court for the Northern District of Illinois, Eastern 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 Harbinger Processing Group, LLC or any other third-party collection agency, you may not be entitled to any compensation.