Calls from debt collectors tend to signal a challenging event in your life. Perhaps you are behind on your monthly payments, maybe you are actually victim of identity theft, or the collector could be chasing the wrong person.
If they are rude and insulting when trying to collect the amount they claim you owe, call a consumer attorney and be prepared to stand up for yourself.
Your Rights Under the FDCPA
Although the Fair Debt Collection Practices Act (FDCPA) requires third party debt collectors to treat consumers with respect, collection actions like those below result in complaints to the Federal Trade Commission every year.
- Yelling at you and calling you names
- Demanding that you pay a time-barred debt
- Making threats they can’t or won’t follow up on
- Calling you at work when they know that your boss doesn’t allow it
- Pretending to be members of law enforcement
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
Company Profile: the Law Offices of Crystal Moroney
If you are being called by the Law Offices of Crystal Moroney, here are some additional details about the firm.
The Law Offices of Crystal Moroney is a debt collection law office located in New City, New York. It was founded in 2012, has 18 employees, and is managed by founder Crystal G. Moroney.
Records retained by the PACER website confirm that consumers who believed that they were being harassed by the Law Offices of Crystal Moroney hired consumer attorneys to protect themselves.
Alleged Violations against the Law Offices of Crystal Moroney
According to PACER, on or around March 4, 2014, a Wisconsin consumer obtained a copy of her credit report and found a collection account that was opened in August 2007, with a last account activity listed of August 2007.
The account was placed there by the Law Offices of Crystal Moroney, although it was past the applicable statute of limitations of six years as set forth in Wisconsin law.
Feeling harassed by the Law Offices of Crystal Moroney, the consumer took the firm to court for:
- Using false, deceptive, and misleading means to collect a debt
- Trying to collect a time-barred debt
The matter was dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If either number appears on your caller ID when the phone rings, it is confirmation that you are being called by the Law Offices of Crystal Moroney. If they place an account for a time-barred debt on your credit profile, protect yourself by hiring a consumer lawyer and filing a claim against the Law Offices of Crystal Moroney.
You could potentially receive $1,000 per FDCPA violation plus legal fees, so take a stand when a debt collector goes too far.
Case taken from PACER (pacer.gov). File number is Case 2:14-cv-00548-JPS from the United States District Court for the Eastern District of Wisconsin, Milwaukee 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 the Law Offices of Crystal Moroney or any other third-party collection agency, you may not be entitled to any compensation.