Debt collectors will go to disturbing lengths to collect the money you owe. They will call you at work to embarrass you in front of your colleagues, leave profane messages on your voicemail, and threaten to get a judgment against you. Don’t let them get away with it: these actions are illegal and there are remedies you can pursue.
Your Rights Under the FDCPA
The Fair Debt Collections Practices Act (FDCPA) is a consumer protection law that governs the activities of third-party debt collectors. If a collection agency tries to stress you into paying by using the following actions, it is breaking federal law.
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Demanding amounts that are doubled by ‘service charges’
- Using profane and obscene language
- Calling your cell phone several times per day using an autodialer
- Pretending to be attorneys or police officers
- Discussing the debt with uninvolved third parties like your friends, family, and coworkers
Company Profile: McCabe, Smith, Reynolds & Associates, Inc.
If you are being called by McCabe, Smith, Reynolds & Associates, Inc., additional company details are below.
McCabe, Smith, Reynolds & Associates, Inc., which also does business as Credit Bureau Associates, is a debt collection agency in Pompano Beach, Florida. It opened for business in 1995, fewer than 10 employees, and is managed by its President, Laurie Jones. Litigation files at the PACER website reveal that consumers who believed that they were being harassed by McCabe, Smith, Reynolds & Associates, Inc. took a stand.
Alleged Violations against McCabe, Smith, Reynolds & Associates, Inc.**
According to information on the PACER website, in or around July 2010, McCabe, Smith, Reynolds & Associates, Inc. sent a collection letter to a Florida consumer to collect a debt related to a home security bill. He disputed it and requested verification, which he allegedly never received. In the meantime, the company began reporting the debt to the credit agencies without stating that it was disputed.
Feeling harassed by McCabe, Smith, Reynolds & Associates, Inc., the consumer sued the agency for allegedly:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Failing to send a debt validation letter
A judgement was given in favor of the plaintiff.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-954-781-1503. If it appears on your caller ID when the phone rings, be aware that you are being called by McCabe, Smith, Reynolds & Associates, Inc. If they fail to send you a debt validation letter or report your dispute to the credit bureaus, hire a consumer lawyer and file a claim against McCabe, Smith, Reynolds & Associates, Inc. If you win, they could be ordered to pay you $1000 plus court costs and attorney fees. A lawsuit is a good reminder that consumers have rights, always.
**Case taken from PACER (pacer.gov). File number is Case 9:11-cv-80224-KLR from the United States District Court for the Southern District of Florida.
*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 McCabe, Smith, Reynolds & Associates, Inc. or any other third-party collection agency, you may not be entitled to any compensation.