Is Keynote Consulting Inc calling you? Learn to protect your rights!*
If you have fallen behind in paying your bills, sooner or later you may end up hearing from a third-party collection agency, which will call you and send you letters to get to you to repay the debt.
While debt collectors in the U.S. are permitted to contact you to collect the amount owed or set up payment arrangements, they cannot legally harass you, and they cannot use certain tactics when attempting to collect.
The Fair Debt Collection Practices Act, enacted in 1977, makes it illegal for debt collectors to harass you using these tactics, and it also allows you to take action against debt collectors who do use them against you.
Prohibited actions include:
- Using profane and obscene language
- Contacting you at an inconvenient or unusual time and place, such as early in the morning, late at night, or at work if you are not allowed to receive calls there
- Contacting you if the debt collector is aware that you are being represented by an attorney
- Continuing to contact you after you have requested in writing that they stop
- Refusal to provide you with information about the debt
- Threatening legal action they are not eligible to take or have no intention of taking
Alleged Violations against Keynote Consulting Inc*
Some debt collectors bypass the FDCPA in favor of doing whatever they believe is necessary to make you settle the debt.
Keynote Consulting Inc is a collection agency located in Arlington Heights, Illinois.
It was established in 1999, has less than 10 employees, and is a member of the Illinois Collector’s Association. Records archived at the PACER (Public Access to Court Electronic Records) website indicates that Keynote Consulting Inc has been accused of debt collection practices that violate the FDCPA.
Alexandra Boroff v. Keynote Consulting Inc
On or around October 2, 2013, Illinois resident Alexandra Boroff received a collection letter from Keynote Consulting Inc about an alleged healthcare debt.
She disputed the amount demanded and responded by sending a letter tendering what she believed to be the correct amount owed.
She added that she was refusing to pay anything further and directed the agency not to contact her further.
Despite this request, Keynote Consulting Inc allegedly called her again on December 18, 2013, and tried to collect the debt.
Ms. Boroff again disputed the debt and requested that they stop contacting her, but another call allegedly took place on February 5, 2014.
She finally hired a consumer attorney and filed a lawsuit that accused Keynote Consulting Inc of violating the FDCPA by continuing to contact her after she had disputed the debt.
The matter was later settled.
The phone number for Keynote Consulting Inc is 1-847-788-1530.
If you see this number on your caller ID, be aware that a debt collector may be trying to contact you about a debt you allegedly owe.
If they persist in contacting you after you dispute the debt and request no further communications, see a consumer attorney.
The FDCPA states that after you dispute a debt, the collector may only contact you to advise that legal action is about to be taken or the matter is being dropped, and if they only contact you to collect the debt, your attorney can help you pursue the matter in court.
You could potentially be awarded $1,000 per violation plus attorney's fees, court costs, and any actual damages, so if Keynote Consulting Inc pushes you too far, don’t hesitate to seek an attorney’s help to push back.
*Case taken from PACER (www.pacer.gov). File number is 1:14-cv-01020, from United States District Court, Northern District of Illinois, Eastern 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 Keynote Consulting Inc or any other third-party collection agency, you may not be entitled to any compensation.