If job loss has caused you to fall behind in paying your bills, you will likely hear from a debt collector. Some debt collection tactics can leave you feeling scared and overwhelmed, but you should not hesitate to shield yourself by exercising your rights under the law.
Your Rights Under the FDCPA
In 1977, the Fair Debt Collection Practices Act, or FDCPA, was passed to regulate how collection agencies should conduct themselves while collecting debts. If you are subjected to any of the following actions, that debt collector is breaking the law and can be penalized.
● Making a collection call before 8:00 a.m. or after 9:00 p.m.
● Making threats to take actions the company has no intention of carrying out
● Using profane and obscene language
● Continuing to contact you after being given written notice to cease communication
● Attempting to collect on a debt you do not owe
● Talking to your friends and co-workers about the debt
Company Profile: Liberty National Financial
If you are being called by Liberty National Financial, more information about the company and its management is below.
Liberty National Financial, which also does business as Liberty Processing Services, is a debt collection agency in Monroe, North Carolina. It opened its doors in 2017, has fewer than five employees, and is managed by Erin Fox. THe PACER website includes court records showing that people who felt harassed by Liberty National Financial sued successfully for compensation.
Alleged Violations against Liberty National Financial
According to PACER, on or around April 2, 2018, Liberty National Financial allegedly called a Michigan consumer to collect a payday loan debt that had been previously resolved. The caller allegedly left a voicemail that hinted at legal action if the debt was not paid.
Later that day, collectors also allegedly called the consumer’s brother and left a voicemail regarding the debt. When the consumer called Liberty National Financial, the person who answered allegedly said that the company was a litigation firm.
Feeling harassed by Liberty National Financial, the consumer got a free case review from a consumer lawyer before suing the company for
● Using an autodialer to call him
● Threatening legal action it could not take
● Sharing information about the debt with his brother
A court awarded the consumer $3,500 in damages.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If you see them on your caller ID at home or work, Liberty National Financial may be trying to collect a debt from you. If they harass you by phone and misrepresent themselves as legal professionals, hire a consumer lawyer and file a claim against Liberty National Financial. You may be awarded up to $1,000 in damages in addition to attorney’s fees and costs. There are strict limits on how collection companies may collect debts, and forgetting this fact can cost them money.
*Case taken from PACER (www.pacer.gov). File number is Case 1:18-cv-00531-PLM-RSK from the United States District Court for the Western District of Michigan, Southern 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 Liberty National Financial or any other third-party collection agency, you may not be entitled to any compensation.