There are few things in life that are more unwelcome than getting a call from a debt collector. It’s bad enough that you can’t afford to pay, but when they use abusive language and threaten to send you to jail or seize everything you own, you may be tempted to declare bankruptcy.
Before you resort to such a measure, see a consumer attorney first, as such harassment is illegal.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects you from being deceived, threatened, or harassed by third-party collection agencies. Any debt collector who subjects you to abuses like those below face serious penalties from the Federal Trade Commission.
- Yelling and using obscene language
- Calling you at inconvenient times and places
- Calling you at work when your employer does not allow such calls
- Telling you that you can be arrested for not paying your debts
- Contacting your friends, family and co-workers and discussing the debt with them
- Making threats they have no intention of following up on
Company Profile: Health Services Asset Management, LLC
If you are being called by Health Services Asset Management, LLC, here is some more information about this debt collector.
Health Services Asset Management, LLC is a debt collection agency located in Renton, Washington. It opened for business in 2011, has fewer than 10 employees, and is managed by owner Marian Hawkins Green. It specializes in collecting medical debt.
Archived litigation records at the PACER website reveal that consumers who believed they were being harassed by Health Services Asset Management, LLC refused to pay what they did not believe they owed.
Alleged Violations against Health Services Asset Management, LLC
According to PACER, on or about January 20, 2016, Health Services Asset Management, LLC sent a collection letter to a California consumer seeking payment for an alleged medical debt. It demanded a total of $580.38, consisting of $575.00 and $5.38 interest charge for collection activities.
On the second page of the letter, it stated: “We charge interest at the following state-specific rates: . . . California 10% . . ..”
On or about February 15, 2016, Health Services Asset Management, LLC sent another collection letter to the consumer, this time demanding $575.00 and a $9.50 interest charge, although it still claimed to only charge 10%.
The consumer was annoyed because he had never agreed to pay a 10% collection charge, nor was such an agreement in the contract with the original creditor. Feeling harassed by Health Services Asset Management, LLC, he hired a consumer lawyer and sued the agency for:
- Using false, deceptive, and misleading means to collect a debt
- Using harassing and abusive means to collect a debt
- Trying to collect an amount not permitted by law or the original creditor agreement
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If you see either number on your caller ID, it means that you are being called by Health Services Asset Management, LLC. If they try to add interest rates to the debt that are not supported by state law or the creditor agreement, don’t be pressured into paying.
Hire a consumer lawyer and file a claim against Health Services Asset Management, LLC. You could receive $1,000 per FDCPA violation plus coverage of your legal costs, so don’t let a debt collector make you believe you have no rights when they go too far.
- Has a Debt Collector Used Profane Language?
- Has a Debt Collector Asked You to Pay More Than What You Owe?
Case taken from PACER (pacer.gov). File number is Case 3:17-cv-00044-GPC-KSC from the United States District Court for the Southern District of California.
*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 Health Services Asset Management, LLC, or any other third-party collection agency, you may not be entitled to any compensation.