You’ve likely heard stories about how debt collectors actually harass consumers into paying a debt they may not even owe. What’s even more disconcerting is that many of these stories are actually true, even though consumers have rights that protect them from being treated in this way.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed 40 years ago to protect indebted consumers from being bullied into bankruptcy. It regulates interactions between third-party debt collectors and those who owe money, and prohibits actions like those below.
- Raising their voice and making threats they have no intention of following up on
- Threatening to damage your reputation and credit rating
- Calling at all hours of the day and night
- Using profane and obscene language
- Discussing the debt with anyone except you, your spouse, or your attorney
- Demanding amounts that are not supported by law or the agreement that created the debt
Company Profile: LDG Financial Services, LLC
If you are being called by LDG Financial Services, LLC, here is a wider overview of the company history and operation.
LDG Financial Services, LLC is a debt collection agency located in Norcross, Georgia. It opened for business in 1998, has 25 employees, and is managed by David Fletcher, its Vice President of Operations.
Files retained by the PACER website suggest that consumers who believed that they were being harassed by LDG Financial Services, LLC went to court to fight back.
Alleged Violations against LDG Financial Services, LLC
According to PACER, in or around mid-2009, LDG Financial Services, LLC allegedly started calling a California consumer to collect a debt. She claimed that the callers never left a message identifying them as debt collectors and frequently hung up without leaving a message.
Feeling harassed by LDG Financial Services, LLC, the consumer sued the company for violating her rights by:
- Using harassing and abusive means to collect a debt
- Failing to identify itself as a debt collector in all communications
- Harassing her by phone
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are:
If you see either number on your caller ID when the phone rings, you are being called by LDG Financial Services, LLC. If they call you on a frequent and harassing basis and don’t identify themselves as debt collectors, seek compensation by hiring a consumer lawyer and filing a claim against LDG Financial Services, LLC. You could be awarded $1,000 per FDCPA violation, which reminds collection agencies that the law must be obeyed.
Case taken from PACER (pacer.gov). File number is Case 2:09-cv-06915-RGK-AGR from the United States District Court for the Central District of California, Western 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 LDG Financial Services, LLC or any other third-party collection agency, you may not be entitled to any compensation.