Is a debt collector making your life miserable by calling every day, talking to your boss and coworkers, and threatening to initiate a stressful and expensive lawsuit. Collecting legitimate debts is not illegal, but harassing and mistreating consumers definitely is.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect indebted consumers. It grants you the right to dispute a debt and tell collection agencies to stop calling you. It also prohibits collection tactics like those below.
- Filing baseless lawsuits
- Calling the intention of annoying and harassing you
- Demanding payment for a debt that’s out of statute
- Using profane or obscene language
- Contacting your friends, family and co-workers
- Calling you before 8:00 a.m. and after 9:00 p.m.
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Company Profile: HOVG, LLC
If you are being called by HOVG, LLC, here are some additional details about the company.
HOVG, LLC, which also does business as Bay Area Credit Service, LLC, is a collection agency headquartered in Norcross, Georgia, with an additional office in Antioch, California. It has a B rating with the Better Business Bureau. The company was established in 2010, has approximately 20 employees, and is managed by Roy Shore. The PACER website holds records showing that those who felt that they were being harassed by HOVG, LLC hired counsel to help them pursue justice.
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Alleged Violations against HOVG, LLC*
According to PACER, on or around August 15, 2011, HOVG, LLC sent a collection letter to a Colorado consumer. He sent a dispute letter on August 22, stating that he refused to pay, but collection attempts allegedly continued.
Feeling harassed by HOVG, LLC, the consumer hired a lawyer and sued the agency for:
- Continuing to collect after he refused to pay
- Using harassing and abusive means to collect a debt
The matter was later settled.
![Called By HOVG, LLC? Here's What to Know]()
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Hire a Consumer Lawyer
The phone numbers for HOVG, LLC are:
If any of them ever show up on your caller ID, HOVG, LLC is calling you. If they keep trying to collect after you dispute the debt and refuse to pay it, hire a consumer lawyer and file a claim against HOVG, LLC. You could potentially receive $1,000 per FDCPA violation plus lawyer’s fees and court costs. Failure to be transparent with you can cost a debt collection agency a lot.
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Additional Resources
*Case taken from PACER (pacer.gov). File number is Case 1:11-cv-02445-LTB from the United States District Court for the District of Colorado.
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 HOVG, LLC or any other third-party collection agency, you may not be entitled to any compensation.