Debt collection harassment impacts your daily life in many ways. It stresses you out, can cause you to develop high blood pressure and, over time, can lead to depression. You may feel that you have no choice but to accept the mistreatment, but the truth is that there are laws in place to protect you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, gives legal protection to consumers who are dealing with third-party debt collectors. It grants you the right to order the collector to stop calling you and take legal action against agencies that abuse your rights in the following ways:
● Calling you outside the hours of 8:00 a.m to 9:00 p.m. in your time zone
● Filing a lawsuit against you in a far-away courthouse
● Shouting at you over the phone
● Calling you at work to embarrass you
● Claiming that you can go to jail for not paying a debt
● Illegally re-aging a time-barred debt
Company Profile: Meridian Management Solutions, LLC
If you are being called by Meridian Management Solutions, LLC, here are some more details about the firm’s history and operation.
Meridian Management Solutions, LLC is a debt collection agency in Houston, Texas. It was established in 2008, has fewer than 10 employees, and is managed by Tim Hernandez. Consumer litigation files at the PACER website suggest that consumers who believed that they were being harassed by Meridian Management Solutions, LLC filed complaints in federal court.
Alleged Violations against Meridian Management Solutions, LLC*
According to information on the PACER website, in or around early 2009, Meridian Management Solutions, LLC began calling a Washington consumer to collect a debt. The consumer alleged that he did not owe the debt and told the agency to stop calling, but collectors allegedly continued to call and verbally abuse him.
Feeling harassed by Meridian Management Solutions, LLC, the consumer hired a lawyer and sued the firm for:
● Calling him after being asked to stop
● Misrepresenting the legal status of the debt
● Using harassing and abusive means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-713-579-7000. Its presence on your caller ID means that you are being called by Meridian Management Solutions, LLC. If they keep calling after you insist that you don’t owe the debt, hire a consumer lawyer and file a claim against Meridian Management Solutions, LLC. Collection agencies that disregard your rights could be ordered to pay you $1,000 per FDCPA violation, so act on your rights and sue.
*Case taken from PACER (www.pacer.gov). Case 2:09-cv-00063-RHW from the United States District Court for the Eastern District of Washington.
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 Meridian Management Solutions, LLC or any other third-party collection agency, you may not be entitled to any compensation.