Are You Being Called By Interstate Credit Collections?* Here's What You Need to Know
On average, a U.S.household carries a revolving credit card balance of $15,000, so a good percentage of their annual income goes towards interest payments alone. When they can no longer keep up, collection agencies will soon start calling to collect the arrears, and many of them do not hesitate to use tactics that pressure you into paying.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates how third-party debt collectors may deal with consumers while trying to collect a debt. By law, they must refrain from using coercive tactics like those listed below:
- Calling you before 8:00 a.m. and after 9:00 p.m. in the your time zone
- Trying to collect after you have formally disputed a debt
- Discussing the debt with anyone but you, your spouse, your attorney, and any debt co-signers (if applicable)
- Threatening action they are not in a position to legally take
- Using profane or obscene language
- Misrepresenting how much you owe
Company Profile: Interstate Credit Collections
If you are being called by Interstate Credit Collections, information about the company is below.
Interstate Credit Collections, also doing business as Datamax, is a debt collection agency located in Winston-Salem, North Carolina. It was established in 1889, has 20 to 49 employees, and is managed by its CEO, Robert Egleston. According to lawsuit records retained by the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Interstate Credit Collections hired attorneys and demanded compensation.
Alleged Violations against Interstate Credit Collections
Helen P. Dalere vs. Interstate Credit Collections et al**
According to PACER, in early 2010 Interstate Credit Collections started sending collection letters to New Jersey resident Helen P. Dalere. The debt it was trying to collect had previously been discharged in bankruptcy, but the collection attempts allegedly continued.
Feeling harassed by Interstate Credit Collections, Ms. Dalere hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Misrepresenting the amount, character and status of a debt
- Communicating false credit information
- Attempting to collect a debt she did not owe
- Using harassing and abusive means to collect a debt
- Threatening action which could not legally be taken
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are:
If you see any of them on your caller ID in response to an incoming call, be aware that you are being called by Interstate Credit Collections. If they try to collect a debt that was included in a previous bankruptcy, you should hire a consumer attorney right away.
If you file a claim against Interstate Credit Collections and the judge rules in your favor you could potentially receive $1,000 per FDCPA violation as well as statutory damages and legal costs. When a debt collector violates your rights, the law gives you the ability to fight back.
**Case taken from PACER (www.pacer.gov). File number is Case 2:10-cv-03037-PGS-ES from the United States District Court for the District of New Jersey.
*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 Interstate Credit Collections, or any other third-party collection agency, you may not be entitled to any compensation.