Credit allows us to buy big-ticket items like homes and cars using an affordable repayment plan, but there’s a downside: if we lose our jobs or are otherwise unable to work, we’re left with huge debts we may not be able to pay. When debt collectors aggressively demand payment, however, you don’t have to tolerate abuse.
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.
● Calling you several times per day, either personally or using an auto dialer
● Using profane and obscene language
● Talking to uninvolved third parties about the debt
● Calling you before 8:00 a.m. and after 9:00 p.m.
● Threatening legal action that they are not in a position to take
● Contacting you after you have sent a cease and desist letter
Company Profile: ISA Acceptance Corporation
If you are being called by ISA Acceptance Corporation, here are some additional company details.
ISA Acceptance Corporation is a collection agency in St. Paul, Minnesota. It was established in 2005, has 50 employees, and is managed by its President, Jimmy McFarlane. An inspection of legal records at the PACER website confirms that consumers who believed that they were being harassed by ISA Acceptance Corporation sued for compensation.
Alleged Violations against ISA Acceptance Corporation*
According to information on the PACER website, in or around June 2010, ISA Acceptance Corporation called an Illinois consumer, allegedly stated that they represented a group of lawyers, and warned that they would proceed with a case against him if he did not pay.
Alarmed, he entered into a payment arrangement, but after two payments, called the agency to state that he no longer wanted automatic payments from his checking account because he was incurring fees from his bank. However, at least one more automatic deduction occurred.
On or about July 19, 2010, ISA Acceptance Corporation allegedly called the consumer at work. When told that such calls were not allowed, the collector allegedly called him a “liar” and stated that “we know you don’t have any intent to pay. [W]e are going to move forward with your case.”
No lawsuit ever transpired, but on or about July 21, 2010, ISA Acceptance Corporation allegedly called the consumer and said that it had contacted his employer so that it could begin garnishing his wages.
Feeling harassed by ISA Acceptance Corporation, the consumer sued the agency for:
● Using false, deceptive, and misleading means to collect a debt
● Calling him at work after being asked to stop
● Threatening legal action it did not intend to take
● Using harassing and abusive means to collect a debt
● Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
● 1-888-634 - 9706
● 1-651-605 - 2040
If you see any of them on your caller ID, it means that you are being called ISA Acceptance Corporation and should react accordingly. If they bully you over the phone and threaten legal action that never happens, hire a consumer lawyer and file a claim against ISA Acceptance Corporation. You could receive $1,000 per FDCPA violation plus your legal expenses. When debt collectors cross the line, a lawsuit can help you push them back.
*Case taken from PACER (www.pacer.gov). Case: 3:10-cv-50234 from the United States District Court for the Northern District of Illinois, Western 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 ISA Acceptance Corporation or any other third-party collection agency, you may not be entitled to any compensation.