When you’re deep in debt, it’s a stressful situation, and if debt collectors send you letters that border on the abusive, contact an attorney. There are federal laws that prohibit what third-party collection agencies can say or do to collect a debt.
Your Rights Under the FDCPA
Although attempting to collect a debt is legal, harassing you is not. The Fair Debt Collection Practices Act, or FDCPA limits what third-party collection agencies may say or do during the process of collecting a debt and outlaws the following tactics:
- Using profane and obscene language
- Contacting you at work if you are not allowed to receive calls there
- Threatening legal action they are not eligible to take or have no intention of taking
- Calling at all hours of the day and night
- Demanding an amount that’s not supported by law or the original creditor agreement
- Discussing your debt with anyone except you, your spouse, or your attorney
Company Profile: Hidden Oak Group, Inc.
If you are being called by Hidden Oak Group, Inc., here is some more information about the company.
Hidden Oak Group, Inc. is a collection agency located in Yonkers, New York. It was established in 2002, has 14 employees, and is managed by its President and CEO, Joel Rabinowitz.
An inspection of court cases at the PACER website confirms that consumers who believed that they were being harassed by Hidden Oak Group, Inc. stood their ground and acted on their rights.
Alleged Violations against Hidden Oak Group, Inc.
According to PACER, on or around January 19, 2011, Hidden Oak Group, Inc. filed a proof of claim when a Florida consumer filed for Chapter 13 bankruptcy. However, the last activity on the account was actually November 18, 2008, putting it past Florida’s statute of limitations and making it uncollectible.
Feeling harassed by Hidden Oak Group, Inc., the consumer filed a class action lawsuit against the agency for allegedly:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If either number flashes on your caller ID when the phone rings, Hidden Oak Group, Inc. is attempting to collect a debt from you. If they try to collect a debt that has passed the statute of limitations, hire a consumer lawyer and file a claim against Hidden Oak Group, Inc.
You could be awarded $1,000 per violation plus your court costs and attorney fees, so it’s in your best interests to stand firm when a collection agency tries to collect money you don’t owe.
Case taken from PACER (pacer.gov). File number is Case 3:15-cv-00615-MMH-PDB from the United States District Court for the Middle District of Florida, Jacksonville 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 Hidden Oak Group, Inc. or any other third-party collection agency, you may not be entitled to any compensation.