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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By MD Collections?

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Have you been bullied by a debt collector? Have they called your boss to say that you don’t pay your bills, used abusive language, or threatened to have you arrested if you didn’t pay right away? This conduct is illegal, so your next step should be to retain a consumer lawyer.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that requires third-party debt collectors to treat you with respect during all communications. Methods like the following are illegal and can get the agency closed down:

● Calling you outside the hours of 8:00 a.m to 9:00 p.m. in your time zone
● Demanding that you pay a debt that is legally time-barred
● Intentionally reporting inaccurate information to the credit bureaus
● Calling you a deadbeat or loser
● Calling your relatives and friends about the debt
● Adding illegal service fees to the debt total

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Company Profile: MD Collections

If you are being called by MD Collections, an overview of the company and its background is below.

MD Collections, which also does business as MD Medical Billing, Inc., is a healthcare debt collection agency in San Clemente, California. It opened for business in 2004, has fewer than 10 employees, and is managed by its President and CEO, Michelle Fisher. Litigation records at the PACER website suggest that consumers who believed that they were being harassed by MD Collections took legal action against the company.

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Alleged Violations against MD Collections*

According to information on the PACER website, on or around November 9, 2010, MD Collections sent a collection letter to a California consumer. This letter stated that there was a 30-day period to dispute the alleged debt and request validation.

However, six days later, on November 15, a company representative called the consumer and allegedly told her that if she didn’t pay the debt by December 4, a negative notation would be made on her credit report. This collector also allegedly yelled at her and claimed that the company didn’t “need to work with” her.

Feeling harassed by MD Collections, the consumers sued the company for:

● Threatening to damage her credit
● Demanding payment during the dispute period
● Using false, deceptive, and misleading means to collect a debt
● Using unfair and unconscionable means to collect a debt
● Using harassing and abusive means to collect a debt

The matter was later settled.

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Hire a Consumer Lawyer

The phone numbers for this debt collection agency are:

● 1-949-493-5455
● 1-800-888-6702

If they appear on your caller ID, it means that you are being called by MD Collections and should be prepared to protect your rights. If they yell at you and demand payment during the statutory dispute period, hire a consumer lawyer and file a claim against MD Collections. You could receive $1,000 per violation of the FDCPA, so taking legal action against aggressive debt collectors can be the best way to make the harassment stop.

*Case taken from PACER ( Case 2:11-cv-01580-VBF-MAN from the United States District Court for the Central District of California.

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Additional Resources

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 MD Collections. or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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