Are you being bullied by debt collectors to pay credit card bills that financial circumstances forced you to default on? They may tell you that they have the right to call until you pay, but the truth is that you have the right to order them to stop contacting you and sue them if they persist.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers from being harassed into illness or bankruptcy or ill-health by overzealous debt collectors. If any agency uses these approaches on you, contact a consumer attorney.
- Leaving vague voice messages that don’t identify the caller as a debt collector
- Using an autodialer to leave a series of pre-recorded messages
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
- Ignoring you when you dispute the debt and tell them not to call again
- Calling you at work after you say that you can’t talk to them there
- Ignoring a cease and desist letter
Company Profile: Land Home Financial Services, Inc.
If you are being called by Land Home Financial Services, Inc., below are additional details about the agency.
Land Home Financial Services, Inc. is a mortgage lender and collection agency in Concorde, California. It opened in 1988, has 700 people on staff, and is managed by Brad Waite.
Legal records at the PACER website indicate that consumers who felt that they were being harassed by Land Home Financial Services, Inc. stood up for themselves in court.
Alleged Violations against Land Home Financial Services, Inc.
According to PACER, in or around September 2014, Land Home Financial Services, Inc. began calling a Florida consumer to collect a debt. She complained that the debt had been included in a Chapter 11 bankruptcy, but she received one call placed on September 10, 2014, two calls placed on March 19, 2015, and three calls on April 15, 2015.
They appeared to be made using an autodialer. When she informed the company that the debt was part of a bankruptcy and gave them her attorney’s number, the calls allegedly persisted.
Feeling harassed by Land Home Financial Services, Inc., the consumer filed an FDCPA lawsuit against the company for the following alleged violations:
- Misrepresenting the legal status of the debt
- Trying to collect a debt included in a previous bankruptcy
- Calling her using an autodialer
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If they appear on your caller ID, be aware that you are being called by Land Home Financial Services, Inc. If they insist on you paying a debt included in an earlier bankruptcy, hire a consumer lawyer and file a claim against Land Home Financial Services, Inc.
Working with an attorney will get you the compensation you are entitled to under the FDCPA.
Case taken from PACER (pacer.gov). File number is Case 0:15-cv-60871-BB from the United States District Court for the Southern District of Florida.
*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 Land Home Financial Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.