Collection agencies serve an important purpose. They support businesses by collecting debts that remain unpaid. This is why their profession is legal and, some would say, necessary, but when they abuse consumers to collect that money, their conduct becomes illegal and puts them at risk of being shut down.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to ensure that debt collectors treated indebted consumers fairly, but some agencies count on these debtors being unfamiliar with their rights and try to compel payment by:
- Ignoring a formal cease communications request
- Refusing or failing the validate the debt
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Contacting you after you are represented by an attorney
- Telling you that they can garnish your wages if you don’t pay
- Calling your workplace when they know that such calls are against your employer’s rules
Company Profile: Livingston Financial, LLC
If you are being called by Livingston Financial, LLC, here is some background information about the firm.
Livingston Financial, LLC is a debt collection agency located in Minneapolis, Minnesota with a presence in Itasca, Illinois. It was established in 2012, has less than 10 employees, and is the subject of several consumer complaints.
Litigation files digitized and indexed at the PACER website indicates that consumers who felt that they were being harassed by Livingston Financial, LLC refused to pay and sought damages for violations to their rights.
Alleged Violations against Livingston Financial, LLC
According to PACER, on or around September 4, 2012, Livingston Financial, LLC filed a lawsuit against an Illinois consumer to collect a debt that was allegedly over 10 years old, placing it beyond the statute of limitations.
Feeling harassed by Livingston Financial, LLC, she sought advice from and finally hired a consumer lawyer to help her sue the company for:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Using abusive and oppressive means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for Livingston Financial, LLC is 1-847-250-5233. When it pops up on your caller ID, Livingston Financial, LLC is on the line. If they sue you for a time-barred debt, don’t pay!
Hire a consumer lawyer and file a claim against Livingston Financial, LLC for violating your rights under the FDCPA. You could be awarded $1000 in statutory damages, putting a stubborn debt collector in debt to you instead.
Case taken from PACER (pacer.gov). File number is Case: 1:13-cv-01225 from the United States District Court for the Northern District of Illinois.
*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 Livingston Financial, LLC or any other third-party collection agency, you may not be entitled to any compensation.