An estimated one in seven Americans today is being chased by a collection agency, and one in 10 are actually having their wages garnished. It’s a devastating outcome when you are already struggling financially. If a debt collector is threatening your financial stability even further, hiring a consumer attorney can stop the harassment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to stop a rise in consumer bankruptcies due to debt collector harassment. Today, any third-party collection agency that uses these types of methods to make you pay can be sanctioned and even closed down.
- Calling you several times a day
- Contacting your friends and family when they already have your contact details
- Chasing you for a debt that is barred by statute
- Saying that they will serve court papers on you in a public place if you don’t pay
- Using abusive language on the phone or while leaving a voice message
- Failing to identify themselves as a debt collector in all communications
Company Profile: HS Financial Group, LLC
If you are being called by HS Financial Group, LLC, below is a general history of the company.
HS Financial Group, LLC is a debt collection agency located in Westlake, Ohio. It opened for business in 2000, has 44 employees, and is managed by its President, Timothy M. Sullivan.
A close review of legal records at the PACER website indicates that consumers who believed they were being harassed by HS Financial Group, LLC responded to perceived threats with a lawsuit.
Alleged Violations against HS Financial Group, LLC
According to PACER, on or about December 6, 2011, HS Financial Group, LLC sent a collection letter to an Indiana consumer regarding a credit card debt. He refused to pay because it had been discharged in an earlier bankruptcy, so another collection letter followed on February 6, 2012.
Feeling harassed by HS Financial Group, LLC, the consumer hired legal counsel and sued the company for the followed illegal debt collection practices:
- Trying to collect a debt discharged in an earlier bankruptcy
- Misrepresenting the legal status of the debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If you see them on your caller ID and recognize that you are being called by HS Financial Group, LLC, take action now by hiring a consumer lawyer and filing a claim against HS Financial Group, LLC.
You should not have to pay an obligation discharged in an earlier bankruptcy, and a consumer lawyer will both protect your rights and help you fight for the compensation that you are entitled to under the FDCPA.
Case taken from PACER (pacer.gov). File number is Case 1:12-cv-00665-WTL-TAB from the United States District Court for the Southern District of Indiana, Indianapolis 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 HS Financial Group, LLC, or any other third-party collection agency, you may not be entitled to any compensation.