Are you getting calls from debt collectors every day? Many collection agencies intentionally harass consumers, hoping that you aren’t aware of your legal rights. Below is an overview of the federal laws that allow you to sue a collection agency when they go too far.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, controls how debt collectors have to conduct themselves while collecting from you. You are entitled to file a lawsuit against any debt collector who uses collection strategies like those below.
● Contacting you outside of 8:00 a.m. and 9:00 p.m.
● Refusing to cease communications upon request
● Discussing the debt with your coworkers, neighbors, and friends
● Leaving voice messages that do not identify the collector
● Demanding amounts that exceed the original debt
● Threatening legal action they have no intention of taking
Company Profile: Lake City Credit, LLC
If you are being called by Lake City Credit, LLC, more information about the agency is below.
Lake City Credit, LLC is a collection agency in Dallas, Texas. It opened for business in 1980, has 17 employees, and is managed by Deborah Southland. The agency has an F rating with the Better Business Bureau. Archived lawsuit records at the PACER website show that people who felt harassed by Lake City Credit, LLC got a free evaluation from a consumer lawyer to help them collect damages.
Alleged Violations against Lake City Credit, LLC
According to PACER, on or around March 25, 2019, Lake City Credit, LLC sent a collection letter to a Florida consumer seeking payment for a Mastercard debt. The consumer claimed that the debt did not identify the sender as a debt collector or advise him of his dispute rights. It also added interest to a debt that was legally uncollectible, as it had been discharged in a Chapter 7 bankruptcy.
Feeling harassed by Lake City Credit, LLC, the consumer sued the company for attempting to collect a debt that had been eliminated in an earlier bankruptcy filing.
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 at any time, Lake City Credit, LLC is trying to reach you. If they send collection letters for a debt you no longer owe, hire a consumer lawyer and file a claim against Lake City Credit, LLC. Under the FDCPA, you may be able to recover $1000 per violation in statutory damages, so don’t forget that you have rights in these situations.
*Case taken from PACER (www.pacer.gov). File number is Case 6:19-cv-00667-CEM-GJK from the United States District Court for the Middle District of Florida, Orlando 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 Lake City Credit, LLC or any other third-party collection agency, you may not be entitled to any compensation.