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By Contributing Author: Sergei Lemberg Updated on

Being Called By Hillcrest Credit Agency?*

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Are you being called by Hillcrest Credit Agency?* Here’s what you need to know.

Are debt collectors calling constantly, harassing you at home and work? Threatening to garnish your wages and take you to court? Calling you a deadbeat and other names? You have rights that protect you from such treatment. Read on to learn more about them.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, grants protections and rights to consumers, no matter how much money they owe. It prohibits third-party debt collectors from using methods like those below to collect debt payments from you.

  • Yelling, swearing, and using language meant to intimidate you
  • Demanding amounts inflated by ‘service charges’ and other miscellaneous fees
  • Telling you that you will arrested or your wages garnished if you don’t pay
  • Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m
  • Calling you at work after they’ve been advised that such calls are not allowed
  • Keep contacting you even after you dispute a debt or demand its validation

Is Hillcrest Credit Agency Calling You?

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Company Profile: Hillcrest Credit Agency

If you are being called by Hillcrest Credit Agency, information about the company is below.

Hillcrest Credit Agency, which also does business as Common Health Corporation, Inc., is a debt collection company located in Bowling Green, Kentucky. It was established in 1976, has 20 to 49 employees, and is managed by general manager Diane Roberts. The company website claims to represent over $80 million in accounts receivable. According to records retained by the PACER (Public Access to Court Electronic Records) website, people who felt they were being harassed by Hillcrest Credit Agency denied the company’s claims and filed lawsuits in response.

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Alleged Violations against Hillcrest Credit Agency

Kathy Priddy vs. Common Health Corporation, Inc. d/b/a Hillcrest Credit Agency*

According to PACER, in late January of 2017, Hillcrest Credit Agency sent a collection letter to a Kentucky consumer. She immediately sent a letter to the agency, requested validation of the debt, and received documentation stating that she owed $2,424.83, plus “fees” of $808.20. Nowhere in the letter did it identify what the “fees” are for or what type of “fees” they were collecting.

Feeling harassed by Hillcrest Credit Agency, the consumer hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

The matter was later settled.

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Hire an Attorney

The phone numbers for this debt collection agency are as follows:

If you see either number on your caller ID at any time, it means that you are being called by Hillcrest Credit Agency. If they attempt to collect an amount not authorized by law, hire a consumer attorney, because such tactics are illegal. If you file a claim against Hillcrest Credit Agency and win your cause, you could receive $1,000 per FDCPA violation in addition to court costs and attorney fees. When a collector breaks the law while pursuing your debt, they could end up owing you money instead.

*Case taken from PACER ( File number is Case 1:17-cv-00116-GNS-HBB from the United States District Court for the Western District of Kentucky.

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 Hillcrest Credit Agency, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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