Are you being called by Medical & Dental Business Bureau?* Here's what you need to know.
If your monthly debts go into arrears because you lost your job or became too disabled to work, eventually debt collectors will start making contact. Some of them are unethical and bank on the chance that you are unaware of your rights as an indebted consumer. If a collector treats you in a rude or belligerent manner, you can sue them.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, limits what third-party debt collectors can say or do when communicating with consumers. Actions like the following violate the FDCPA and can result in fines and even license revocation.
- Using profane and obscene language
- Threatening harm to your person, property, and / or credit rating
- Discussing your debt with your friends, neighbors, and co-workers
- Failing or refusing to identify themselves as debt collectors
- Maliciously reporting false information to the credit bureaus
- Threatening action they are not in a position to legally take, such as having you arrested
Company Profile: Medical & Dental Business Bureau
If you are being called by Medical & Dental Business Bureau , information about the company is below.
Medical & Dental Business Bureau, which also does business as Total Recovery Services, Inc., is a debt collection office located in Fort Wayne, Indiana. It was established in 1999, has less than 10 employees, and is managed by its owner, John Magnuson. Lawsuit records archived at the PACER (Public Access to Court Electronic Records) website reveal that consumers who believed they were being harassed by Medical & Dental Business Bureau chose to fight back instead of pay a debt they did not owe or couldn’t afford.
Alleged Violations against Medical & Dental Business Bureau
Justin Duncan vs. Medical & Dental Business Bureau*
According to PACER, in November 2011 Indiana resident Justin Duncan discovered that Medical & Dental Business Bureau had been reporting a debt he allegedly owed to the credit bureaus. On November 22, 2011, his legal counsel faxed a letter to the agency stating that he disputed the debt. Months later, on March 20, 2012, Mr. Duncan obtained and reviewed a copy of his Experian credit report, but there was no indication that the debt was disputed.
Feeling harassed by Medical & Dental Business Bureau, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Misrepresenting the character, amount, or legal status of the debt
- Using unfair and unconscionable means to collect a debt
The matter was later resolved.
Hire an Attorney
The phone numbers for this debt collection company are:
If either of these numbers appear on your caller ID, it’s a definite indicator that you are being called by Medical & Dental Business Bureau. If they report inaccurate information to the credit bureaus, hire a consumer attorney. If you file a claim against Medical & Dental Business Bureau and end up winning the action, you could receive $1,000 per FDCPA violation plus attorney's fees and court costs. Debt collectors who try to take advantage of your situation could soon learn that they made an expensive mistake.
*Case taken from PACER (www.pacer.gov). File number is Case 1:12-cv-00822-SEB-DKL from the United States District Court for the Southern District of Indiana, Indianapolis 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 Medical & Dental Business Bureau, or any other third-party collection agency, you may not be entitled to any compensation.