Is Kentucky Accounts Service LLC calling you?* Here's what you need to know.
Are you dealing with harassing calls from debt collectors, some of them automated? Have rude and threatening messages been left on your phone? If so, you are understandably upset, but remember: you do not have to tolerate harassment. You have rights, and an attorney can help you assert them.
Your Rights Under the FDCPA
A consumer protection law called the Fair Debt Collection Practices Act (FDCPA) limits what third-party debt collectors can say or do when attempting to collect a consumer debt. Actions like those below are illegal, and punishable by fines and / or license revocation.
- Using profane and obscene language
- Threatening to have you arrested
- Calling at inconvenient times, namely before 8:00 a.m. and after 9:00 p.m. in your time zone
- Demanding amounts that exceed the original debt
- Failing to identify themselves as debt collectors seeking to collect a debt
- Reporting inaccurate information to the credit bureaus
Alleged Violations against Kentucky Accounts Service LLC*
Kentucky Accounts Service LLC is a debt collection agency located in Lexington, Kentucky. It was established in 1958, has less than 10 employees, and is managed by Julie Ruiz. Litigation files archived at the PACER (Public Access to Court Electronic Records) website indicate that consumers have accused the company of violating the FDCPA while trying to collect certain debts.
Ryan Medley vs. Kentucky Accounts Service LLC
In late December 2012 or early January 2013, Kentucky Accounts Service LLC allegedly began contacting Kentucky resident Ryan Medley to collect a consumer debt. Mr. Medley claimed that he sent the company a dispute letter on or about January 28, 2013, but Kentucky Accounts Service LLC allegedly never responded or advised the credit bureaus that the debt was disputed.
On or about April 22, 2013, Kentucky Accounts Service LLC allegedly sent Mr. Medley a letter threatening to move his account to its legal department. Four months later, on August 6, 2013, the company allegedly sent him another letter stating that its attorney would ask the court for a judgment based on the alleged debt and order wage garnishment, attachment or levies on his property
Mr. Medley responded by hiring a consumer attorney and sued Kentucky Accounts Service LLC for allegedly violating the FDCPA in the following ways:
- Falsely representing or implying that the collector was an attorney or was communicating on behalf of an attorney
- Implying that nonpayment of the alleged debt would result in the seizure, garnishment, attachment and/or sale of his property or wages
- Threatening to take action that could not legally be taken and/or that was not intended to be taken
- Communicating credit information which was known or which should have been known to be false
- Using false, deceptive or misleading means to collect a debt
- Using a deceptive, unfair and unconscionable means to collect a debt
The matter was later settled.
Hire an Attorney
The phone number for Kentucky Accounts Service LLC is 1-859-252-2211. If it appears on your caller ID when the phone rings, a debt collector is calling. If they threaten legal action that never transpires or send false information to the credit bureaus, hire a consumer attorney. You could potentially receive $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. When debt collectors forget that you have rights, your attorney will send them a firm reminder.
*Case taken from PACER (www.pacer.gov). File number is 5:13-cv-00361-DCR-REW from United States District Court for the Eastern District of Kentucky, Central Division.
Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Kentucky Accounts Service LLC or any other third-party collection agency, you may not be entitled to any compensation.