Some people are so intimidated by debt collectors that they go to great lengths to keep them at bay. They don’t answer their phone and stop checking their mail. Don’t let yourself be pushed this far. The moment that your wellbeing starts to be affected, get a free evaluation from a consumer attorney.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) creates guidelines for both third-party collection agencies and indebted consumers. If you are dealing with a collection agency that uses these types of ruses to get you to pay, you have grounds to sue them.
● Yelling, swearing, and using threatening language
● Refusing to report to the credit bureaus that a debt is in dispute
● Calling you at work after they’ve been advised that such calls are not allowed
● Pretending to be government agents or police officers planning to arrest you
● Threatening legal action they cannot take or have no intention of taking
● Calling you outside of the hours of 8:00 a.m. to 9:00 p.m. in your time zone
Company Profile: Marcam Associates
If you are being called by Marcam Associates, here are some additional company details.
Marcam Associates is a debt collection agency headquartered in Rochester, New Hampshire. It opened for business in 1983, has 76 employees, and is managed by Makayla Gerard. The PACER website records indicate that those who felt they were being harassed by Marcam Associates were aware of their right to sue.
Alleged Violations against Marcam Associates
According to PACER, on or around September 29, 2006, Marcam Associates sent a medical debt collection letter to a Pennsylvania consumer. The following December, he sent the agency a check to cover the full amount owing, but the agency allegedly failed to report the account as paid to the credit bureaus.
Feeling harassed by Marcam Associates, the consumer filed a claim against the agency for:
● Using unfair means to collect a debt
● Reporting incorrect information to the credit bureaus
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they show up on your caller ID, it means that Marcam Associates is calling. If you pay the debt but they don’t update the credit bureaus, you can get a free evaluation from a consumer lawyer and file a claim against Marcam Associates. You could be awarded $1,000 per violation plus your attorney’s fees, so take action when you know you are in the right.
*Case taken from PACER (www.pacer.gov). File number is Case 2:08-cv-04593-MMB from the United States District Court for the Eastern 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 Marcam Associates or any other third-party collection agency, you may not be entitled to any compensation.