Debt collectors have a bad reputation that is well earned. They threaten you, imply that you’re going to be arrested, and embarrass you in front of friends and coworkers. If this is happening to you, know that these collection methods are illegal and you have grounds to fight back and demand compensation.
Your Rights Under the FDCPA
If a debt collector is abusive in their payment demands, they’re breaking the law and can be fined or even lose their license. The Fair Debt Collection Practices Act, or FDCPA, prohibits oppressive tactics like the following when used to collect a debt.
● Using profane or obscene language
● Calling you at work if they know that your employer does not permit such calls
● Telling your friends, neighbors, and co-workers that you owe money
● Calling you early in the morning or late at night
● Trying to collect an amount that is not authorized by law or the original creditor agreement
● Failing to identify themselves as debt collectors in each communication
Company Profile: Hull and Associates
If you are being called by Hull and Associates, below is a detailed company overview.
Hull and Associates is a debt collection law office in Houston, Texas. It was founded in 1979, has approximately 50 employees, and is managed by owner James N. Hull. Records at the PACER website suggest that consumers who believed that they were being harassed by Hull and Associates escalated their case to court.
Alleged Violations against Hull and Associates*
According to information on the PACER website, on or around August 3, 2001, Hull and Associates tried to collect a debt from a Texas consumer by seeking a default judgment against her for a debt that she claimed was beyond the statute of limitations. The firm abstracted the same judgment twice, making it impossible for her to obtain credit. It also allegedly continued to contact her directly after she obtained an attorney.
Feeling harassed by Hull and Associates, the consumer sued the firm:
● Using false, deceptive, and misleading means to collect a debt
● Using unfair and unconscionable means to collect a debt
● Misrepresenting the legal status of the debt
● Suing over her over a time-barred debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If you see either of these numbers on your caller ID, Hull and Associates is on the line. If they sue you to collect a time-barred debt, hire a consumer lawyer and file a claim against Hull and Associates. You you could potentially be awarded $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. A good attorney will help you protect your rights and make a debt collector pay for violating them.
*Case taken from PACER (www.pacer.gov). Case 2:09-cv-00240 from the United States District Court for the Southern District of Texas, Corpus Christi 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 Hull and Associates or any other third-party collection agency, you may not be entitled to any compensation.