Are You Being Called By Image Receivables Management, LLC?* Here's What You Need to Know
The average American household carries a $15,000 credit card balance. It’s a situation that can become overwhelming if you lose your job, become too ill to work, or anything else happens to reduce your cash flow. Once a certain number of payments are missed, third-party debt collectors will start calling.
Your Rights Under the FDCPA
Some debt collectors will agree to affordable payment plans, but others are hostile and abusive despite the existence of a consumer protection law called the Fair Debt Collection Practices Act (FDCPA). Using manipulative methods like those below can cause an agency to lose its license, but many assume the risk anyway.
- Swearing and using racist or sexist language
- Contacting you at work despite knowing that personal calls are not allowed there
- Telling you that by failing to pay the debt, you have committed a crime and will be arrested
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing the debt with anyone except you, your spouse, or your attorney
- Ignoring a written request to cease contact
Company Profile: Image Receivables Management, LLC
If you are being called by Image Receivables Management, LLC, information about the company is below.
Image Receivables Management, LLC is collection agency located in Hutchinson, Kansas. It was established in 2009, has less than 10 employees, and is managed by its President, Daniel Ledeboer. Files archived at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Image Receivables Management, LLC hired consumer attorneys and fought back in court.
Alleged Violations against Image Receivables Management, LLC
Robert Levine vs. Image Receivables Management, LLC et al*
According to PACER, in or around April 2011, Image Receivables Management, LLC began calling California resident Robert Levine about a payday loan debt. Mr. Levine insisted that he had never taken out a payday loan and told the agency to stop contacting him, but Image Receivables Management, LLC allegedly continued calling him on a weekly basis. One caller allegedly told him that unless he provided his Social Security Number or other information, the agency would continue to call for the next fifteen years.
Feeling harassed by Image Receivables Management, LLC, Mr. Levine hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Misrepresenting the character, amount, or legal status of a debt
- Using harassing, oppressive, and abusive means to collect a debt
- Trying to collect an amount not permitted by law
The matter was later settled.
Hire an Attorney
The phone numbers for this collection agency are:
If either number appears on your caller ID when the phone rings, you are being called by Image Receivables Management, LLC. If they harass you over a debt that is not yours, hire a consumer attorney. Such conduct is illegal, and if you file a claim against Image Receivables Management, LLC, you could potentially win $1,000 per violation as well as attorney's fees, court costs, and any actual damages. Owing money does not mean you deserve to be abused, and the law supports you when you fight back.
*Case taken from PACER (www.pacer.gov). File number is Case 3:11-cv-01585-H-NLS from the United States District Court for the Southern District of California, San Diego 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 Image Receivables Management, LLC, or any other third-party collection agency, you may not be entitled to any compensation.