These days, the average American household carries a credit card balance of $15,000. Paying down the interest alone can be enough when you are working full time, but if you lose your job and the minimum payments stop, debt collectors will soon be calling and, very likely, making things worse for you- if you let them.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates the ways that debt collectors may approach you about paying a debt. Actions like those below are illegal when used to compel a consumer to pay.
● Trying to collect from you within the dispute period
● Discussing the debt with unauthorized third parties
● Using profane and obscene language
● Insisting on calling you at work
● Refusing to validate the debt
● Threatening legal action that they have no intention of taking
Company Profile: Life Line Billing Systems, LLC
If you are being called by Life Line Billing Systems, LLC, below is an overview of the agency and its operations.
Life Line Billing Systems, LLC, which also does business as LifeQuest Services, is a collection agency in Wautoma, Wisconsin. It opened its doors for business in 1992, has 110 employees, and is managed by Michael Finn. According to the agency website, it specializes in fire and ambulance-related debt collection. The PACER website has records suggesting that those who felt they were being harassed by Life Line Billing Systems, LLC retained counsel.
Alleged Violations against Life Line Billing Systems, LLC
According to PACER, on or around October 30, 2014, Life Line Billing Systems, LLC sent a collection letter to a Wisconsin consumer seeking payment for a debt arising from ambulance transportation.
She asserted that the letter, which appeared to be computer-generated, did not state that, upon her written request within the thirty-day dispute period, the company will provide her with the name and address of the original creditor, if different from the current creditor.
Feeling harassed by Life Line Billing Systems, LLC, the consumer filed an FDCPA lawsuit against the agency for failing to clarify her right to receive validation of the debt.
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Any time it appears on your caller ID, consider getting a free evaluation from a consumer lawyer because Life Line Billing Systems, LLC is trying to collect a debt from you. If they don’t inform you of your right to have the debt validated, hire a consumer lawyer and file a claim against Life Line Billing Systems, LLC. You could be awarded $1,000 per FDCPA violation as well as court costs and reasonable attorney fees. When debt collectors disregard your rights, they could end up owing you money.
*Case taken from PACER (www.pacer.gov). File number is Case 2:15-cv-00645-LA 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 Life Line Billing Systems, LLC or any other third-party collection agency, you may not be entitled to any compensation.