People who are struggling to manage debt often feel desperate and overwhelmed. It gets worse when debt collectors start trying to collect these accounts, as their methods are not always civil or even legal.
Remember, though, that the law says that you must be treated with respect and gives you standing to take action when you aren’t.
Your Rights Under the FDCPA
Over 40 years ago, the Fair Debt Collection Practices Act (FDCPA) was passed to curb the aggressive actions of overly zealous debt collectors. It grants you important rights and gives you the legal standing to sue a collection agency that subjects you to the following:
- Harassing you over a debt that you never incurred
- Leaving voice messages that do not identify them as debt collectors
- Contacting you directly when they know that you have an attorney
- Using an autodialer to call you
- Calling anyone except you, your spouse, or attorney about the debt
- Calling you names like loser or deadbeat
Company Profile: Leib Solutions, Inc.
If you are being called by Leib Solutions, Inc., a broader overview of the agency is below.
Leib Solutions, Inc. is a debt collection agency located in Gibbsboro, New Jersey. It opened for business in 1986, has 20 employees, and is managed by its President, Carl Torban. According to the company website, it is a member of the Smyyth/Creditek family of collection agencies.
Records on file at the PACER website state that consumers who believed they were being harassed by Leib Solutions, Inc. refused to pay what they did not believe they owed.
Alleged Violations against Leib Solutions, Inc.
According to PACER, in or around 2011, Leib Solutions, Inc. allegedly tried to collect a debt from a Pennsylvania consumer by calling his cell phone. He claimed that during the first call, the agency did not identify itself until he asked it to do so and that a representative named “Gregory Perez” threatened to take legal action against him if he did not pay, although no such action ever transpired.
Feeling harassed by Leib Solutions, Inc., the consumer engaged legal counsel and sued the company for allegedly:
- Using harassing and abusive means to collect a debt
- Failing to identify itself a debt collector in all communications
- Threatening to take action that cannot legally be taken
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Leib Solutions, Inc. are:
Seeing them on your caller ID means that Leib Solutions, Inc. is trying to reach you. If they do not identify themselves each time they call and threaten you with legal action solely to make you pay, don’t be bullied. Hire a consumer lawyer and file a claim against Leib Solutions, Inc.
If your claim succeeds, the company could be ordered to pay you $1,000 in statutory damages and cover legal fees, so act on the rights that the law gives you.
Case taken from PACER (pacer.gov). File number is Case 2:11-cv-01592-TFM from the United States District Court for the Western District of Pennsylvania.
*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 Leib Solutions, Inc., or any other third-party collection agency, you may not be entitled to any compensation.