Most of us owe money. Unfortunately, if you lose your job or become too disabled to work, your accounts will go into arrears and debt collectors will eventually be in touch. Not all of them are civil when you can’t pay.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA, to protect people from stressful debt collection practices. If you owe a debt, you have rights, including the right to sue debt collectors that act in prohibited ways like.
- Threatening legal actions it can’t take
- Pursuing a debt discharged in bankruptcy
- Calling third parties about the debt
- Harassing you by phone (calling and hanging up)
- Cursing and swearing
- Collecting from you during the dispute period
Alleged Violations against Jenkins, Wagnon & Young**
According to PACER, on or around January 14, 2019, Jenkins, Wagnon & Young sent a collection letter to a Texas consumer. She complained that the way it was worded did not provide her with key information and advise her of her right to dispute.
Feeling harassed by Jenkins, Wagnon & Young, the consumer sued the firm for misrepresenting her dispute rights.
The matter was later dismissed.
Hire a Consumer Lawyer
The phone number for this debt collection law firm is 1-806-771-1234. If you ever see it on your caller ID, the law firm of Jenkins, Wagnon & Young is trying to reach you. If they do not provide you with all the information you need to understand and dispute the debt, you may be able to hire a consumer lawyer and file a claim against Jenkins, Wagnon & Young. Even if you do owe the debt, you don’t deserve to be harassed, and any agency that forgets this can be penalized severely.
**Case taken from PACER (www.pacer.gov). File number is Case 3:20-cv-00085-K from the United States District Court for the Northern District of Texas, Dallas 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 Jenkins, Wagnon & Young or any other third-party collection agency, you may not be entitled to any compensation.