Collecting debts is legal, but when your phone rings every day and the messages left are rude and demeaning, a line has been crossed. If a collection agency has you afraid to answer your phone or check your mail, contact a consumer protection lawyer who can take steps to stop the harassment on your behalf.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is designed to keep the debt collection process fair, honest, and ethical. Measures like the following violate federal and most state debt collection laws and can get an agency shut down.
- Trying to make you pay a debt barred by statute
- Using profane and obscene language
- Leaving messages that do not identify them as debt collectors
- Swearing and calling you names
- Refusing to prove that you owe the debt and they are authorized to collect it
- Going to your house and behaving in a threatening manner
Company Profile: Intermountain Credit Services
If you are being called by Intermountain Credit Services, here is a general background of the company and its services.
Intermountain Credit Services is a debt collection agency located in Boise, Idaho. It opened for business in 1926, has 203 employees, and is managed by its owner, Aki Beret Mehertab.
Running the agency’s name through the PACER database confirms that consumers who thought that they were being harassed by Intermountain Credit Services responded by filing FDCPA lawsuits.
Alleged Violations against Intermountain Credit Services
According to PACER, in or around June 2014, Intermountain Credit Services started contacting an Idaho consumer to collect a debt. She alleged that the company called her several times a day and, on June 13, 2014, sent her a collection letter that hinted at a future lawsuit if she did not pay, although no lawsuit ever materialized.
Feeling harassed by Intermountain Credit Services, the consumer hired a lawyer and sued the company for the following alleged debt collection violations:
- Threatening legal actions it did not intend to take
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If you see either of these numbers on your caller ID, you are being called by Intermountain Credit Services. If they threaten lawsuits to scare you into paying, hire a consumer lawyer and file a claim against Intermountain Credit Services because such deceptive conduct violates the FDCPA.
The agency could be ordered to pay you statutory damages and cover your legal fees, so you have little to lose by fighting back.
Case taken from PACER (pacer.gov). File number is Case 1:15-cv-00201-EJL from the United States District Court for the District of Idaho.
*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 Intermountain Credit Services, or any other third-party collection agency, you may not be entitled to any compensation.