Dealing with debt collectors can compound the stress you already feel when you have financial difficulties. Although they have the right to request payment, you also have rights, and when they are violated, you have grounds to sue.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law passed in 1977 to protect consumers from abusive debt collectors. It prohibits the use of abusive tactics like the following while attempting to collect a debt:
● Threatening legal actions they cannot take
● Demanding payment for a time-barred debt
● Telling you that you can go to jail for not paying a debt
● Contacting you directly even after you’ve hired an attorney
● Calling at all hours of the day and night
● Swearing at you
Company Profile: Middle Country Collection Services
If you are being called by Middle Country Collection Services, below is a company overview.
Middle Country Collection Services is a collection agency in Hauppauge, New York. It was incorporated in 2013, has 14 employees, and is managed by Neil Levinbook. The company appears to be affiliated with the Levinbook Law Firm. PACER website records confirm that those who felt that they were being harassed by Middle Country Collection Services filed lawsuits.
Alleged Violations against Middle Country Collection Services*
According to PACER, on or around November 29, 2017, Middle Country Collection Services sent a collection letter to a New York consumer regarding a healthcare debt. The letter was identified as originating from the Levinbook Law Firm, although it stated that no attorney associated with the firm had reviewed her account.
On December 7, the consumer mailed a dispute letter and requested verification of the debt. She later claimed that she did not receive a validation package.
Feeling harassed by Middle Country Collection Services, the consumer hired a lawyer and sued the company for:
● Using false, deceptive, and misleading means to collect a debt
● Implying attorney involvement when none existed
● Not validating the debt
The case was later resolved.
Hire a Consumer Lawyer
The phone number for Middle Country Collection Services is 1-855-699-1818. If you ever see it on your caller ID, it means that Middle Country Collection Services is trying to reach you about a debt. If they send letters that imply attorney involvement in your case when such is not the case, hire a consumer lawyer and file a claim against Middle Country Collection Services. You could end up winning $1,000 per FDCPA violation plus associated court costs and attorney fees. When you fight back, you could be the one who ends up getting paid.
*Case taken from PACER (www.pacer.gov). File number is Case 2:18-cv-03626-JFB-AKT from the United States District Court for the Eastern District of New York.
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 Middle Country Collection Services or any other third-party collection agency, you may not be entitled to any compensation.