Most of us carry debt like credit cards and student loans. These routine and even minor obligations can turn into a nightmare if we lose our jobs, leaving us unable to even make the minimum payments. Debt collectors may start contacting you if this happens, but the law regulates the nature of all contact.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA grants consumers the right to dispute a debt and prohibits collection tactics like those below. Any collection agency that uses them faces severe penalties.
- Calling at all hours of the day and night
- Discussing the debt with uninvolved third parties like your friends, family and neighbors
- Contacting you after you have sent a cease and desist letter
- Using profane or obscene language
- Making threats they cannot legally follow up on, such as having you arrested
- Refusing or failing the validate the debt
Company Profile: Lombardo, Davis & Goldman
If you are being called by Lombardo, Davis & Goldman, here is some more information about the firm.
Lombardo, Davis & Goldman, which also does business as Lombardo, Davis & Associates, Inc., is a debt collection agency in Buffalo, New York. It was founded in 2009, has fewer than 5 employees, and is managed by Frank Davis. It allegedly specializes in payday loans. The PACER website records indicate that people who believed that they were being harassed by Lombardo, Davis & Goldman refused to be bullied.
Alleged Violations against Lombardo, Davis & Goldman*
According to information on the PACER website, in or around late 2010, Lombardo, Davis & Goldman allegedly started trying to collect a debt by calling a New York consumer up to three times per day. He sent a cease and desist letter on July 29, 2010, but the calls allegedly kept coming from the ‘fraud department.’. One collector allegedly called the consumer’s workplace and told a coworker that he owed a debt.
Feeling harassed by Lombardo, Davis & Goldman, the consumer took legal action against the company for:
- Being harassing and abusive by phone
- Using false, deceptive, and misleading means to collect a debt
- Ignoring a cease communications notice
- Calling him at work
- Revealing his debt to a coworker
The case was later settled.
Hire a Consumer Lawyer
The phone numbers for Lombardo, Davis & Goldman are:
If you see them on your caller ID at any time, you are being called by Lombardo, Davis & Goldman. If they call you at work after being told to stop and discuss your debt with your coworkers, hire a consumer lawyer and file a claim against Lombardo, Davis & Goldman. You may be awarded $1,000 per FDCPA violation. The right legal counsel will ensure that the harassment stops and you get the compensation you deserve.
*Case taken from PACER (pacer.gov). File number is Case 2:09-cv-08990-JFW-RC 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 Lombardo, Davis & Goldman or any other third-party collection agency, you may not be entitled to any compensation.