Debt collectors break the law in a lot of ways. They will swear at you, call your friends and family, and pretend to be attorneys. It can feel embarrassing and distressing to be the target of such harassment, but don’t let shame prevent you from acting on your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a section of the Consumer Credit Protection Act. When debt collectors use aggressive collection tactics like those below, the FDCPA gives consumers the ability to fight back.
● Swearing and using profane language
● Discussing the debt with your family, friends, and co-workers
● Pretending to be attorneys or police officers
● Calling at all hours of the day and night
● Ignoring a formal cease communication request
● Contacting you at work after being advised that you are not allowed to talk to them there
Company Profile: Harris & Dial, PC
If you are being called by Harris & Dial, PC, more information about the firm is available below.
Harris & Dial, PC is a debt collection law office in North Andover, Massachusetts. It opened for business in 1993, has fewer than 10 employees, and is managed by Jeffrey A. Schreiber. The PACER website holdings include records confirming that consumers who believed that they were being harassed by Harris & Dial, PC were not too intimidated to sue.
Alleged Violations against Harris & Dial, PC*
According to information on the PACER website, on or around November 7, 2006, Harris & Dial, PC allegedly tried to collect a debt from a South Dakota consumer by leaving voice messages for him on a third party’s answering machine, although that person’s greeting made it clear that he did not live there.
Feeling harassed by Harris & Dial, PC, the consumer sued the firm for:
● Using false, deceptive, and misleading means to collect a debt
● Using unfair and unconscionable means to collect a debt
● Communicating his debt information to third parties
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection law office is 1-978-762-0100. Seeing it on your caller ID when the phone rings is confirmation that Harris & Dial, PC is trying to reach you. If they leave revealing information about your debt on a third party’s answering machine, hire a consumer lawyer and file a claim against Harris & Dial, PC. When you take action, you could receive compensation of $1,000 per FDCPA violation, so see an attorney about enforcing your rights.
*Case taken from PACER (www.pacer.gov). Case 5:07-cv-05072-KES from the United States District Court for the District of South Dakota, Western 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 Harris & Dial, PC or any other third-party collection agency, you may not be entitled to any compensation.