When you’re already having trouble making ends meet, calls from debt collectors can make the situation even worse, especially if they threaten and yell at you. Although such actions are distressing, understanding your rights as a consumer is key to making them stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed 40 years ago to stop abusive conduct on the part of third-party collection agencies. Since 1977, collection tactics like the following have been illegal under federal law.
● Using profane and obscene language
● Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
● Threatening action they cannot legally take or have no intention of taking
● Telling you that by failing to pay the debt, you have committed a crime
● Demanding amounts that are inflated by ‘service charges’
● Calling you several times per day using an autodialer
Company Profile: Jacobs Marsh LLC
If you are being called by Jacobs Marsh LLC, an overview of the company and its history is below.
Jacobs Marsh LLC, which also does business as Improved Data Services, LLC, is a collection agency in Williamsville, New York. It opened for business in 2008, has approximately 25 employees, and is managed by CEO Joseph Arena. It has an F rating with the Better Business Bureau. Archived records at the PACER website confirm that consumers who believed that they were being harassed by Jacobs Marsh LLC stood their ground.
Alleged Violations against Jacobs Marsh LLC*
According to information on the PACER website, On or around October 6, 2009, Jacobs Marsh LLC sent a collection letter to a Kansas consumer. She responded by sending a dispute letter, requesting validation of the debt and asking the company to only contact her in writing. In 2010, however, legal representatives of the agency allegedly called her.
Feeling harassed by Jacobs Marsh LLC, the consumer sued the agency for:
● Failing to send her a debt validation letter
● Calling her when she requested communication in writing
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If you see them on your caller ID when the phone rings, be aware that Jacobs Marsh LLC is on the line. If they keep trying to collect from you without even validating the debt first, hire a consumer lawyer and file a claim against Jacobs Marsh LLC. You may win $1,000 per FDCPA violation as well as reasonable court costs and attorney fees. Knowing your rights is always the wisest course of action when debt collectors cross the line.
*Case taken from PACER (www.pacer.gov). Case 6:10-cv-01304-JTM-JPO from the United States District Court for the District of Kansas.
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 Jacobs Marsh LLC or any other third-party collection agency, you may not be entitled to any compensation.