No one likes being contacted by a debt collection agency. If they are rude and harass you at every available opportunity, what can you do? What are your legal rights when they yell and make threats? Here are ways that you can stop the constant harassment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) allows collection agencies to contact you regarding a debt, but they are not allowed to abuse or harass you. Below is a list of collection tactics that violate the FDCPA and can get an agency shut down.
● Calling you before 8:00 a.m. and after 9:00 p.m.
● Leaving voice messages that do not identify the collector
● Using profane or obscene language
● Demanding illegal collection fees in addition to the original debt
● Calling you using an autodialer
● Threatening to publish your name on a debtor’s list
Company Profile: Law Offices of Michael P. Margelefsky
If you are being called by the Law Offices of Michael P. Margelefsky, more details about the firm are below.
The Law Offices of Michael P. Margelefsky, which also does business as Margelefsky & Mezinko, LLC, is a debt collection law office in Toledo, Ohio. It was founded in 1977, has five employees, and is managed by Michael P. Margelefsky. Court files at the PACER website confirm that those who believed they were being harassed by the Law Offices of Michael P. Margelefsky filed FDCPA lawsuits.
Alleged Violations against the Law Offices of Michael P. Margelefsky
According to PACER, on or around January 31, 2005, the Law Offices of Michael P. Margelefsky sent a collection letter to an Ohio consumer regarding an overdue phone account. It was unsigned and had been postmarked in Michigan, suggesting that no attorney had reviewed the file although the letter was on firm letterhead.
Feeling harassed by the Law Offices of Michael P. Margelefsky, the consumer filed a class action lawsuit against the firm for:
● Using deceptive and misleading means to collect a debt
● Using harassing means to collect a debt
● Implying attorney involvement when none existed
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection law office is 1-419-244-4200. If you notice it on your caller ID, the Law Offices of Michael P. Margelefsky is on the line. If they send collection letters implying attorney involvement when none exists, hire a consumer lawyer and file a claim against the Law Offices of Michael P. Margelefsky. You could be awarded $1,000 in statutory damages per violation, so get a free evaluation from a consumer lawyer today and take action to get the compensation you deserve.
*Case taken from PACER (www.pacer.gov). File number is Case: 3:05-cv-07238-JZ from the United States District Court for the Northern District of Ohio at Toledo.
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 the Law Offices of Michael P. Margelefsky or any other third-party collection agency, you may not be entitled to any compensation.