Most of us owe debt. We carry credit card balances, owe medical debt, or are paying off student loans. It’s a reality that can become impossible when you are laid off or become disabled. If you can’t keep up the minimum payments, it won’t be long before debt collectors begin to call, and many of them will make your situation worse.
Your Rights Under the FDCPA
In 1977, Congress passed the Fair Debt Collection Practices Act to stop debt collectors whose actions were leading to marital breakdowns and personal bankruptcies. The FDCPA gives you certain legal protections and prohibits the following:
- Failing to always identify themselves as debt collectors
- Using profane or obscene language
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Threatening to have you arrested
- Refusing to validate the debt
- Ignoring a written request to stop contacting you
- Contacting you at work
Company Profile: Mintex, Inc.
If you are being called by Mintex, Inc., here are some additional company details.
Mintex, Inc. is a debt collection agency headquartered in Chicago, Illinois. It was incorporated in 2004, employs 14 people, and is overseen by Jessie Thomas. A review of digitized litigation records at the PACER legal archive reveals that those who believed Mintex, Inc. was harassing them were prepared to fight back.
Alleged Violations against Mintex, Inc.**
According to PACER, on or around May 16, 2012, Mintex, Inc. sent a letter to an Illinois consumer to collect a debt arising from unpaid utilities. He said that the letter implied that the debt was already being reported to the credit bureaus and that it was followed up by numerous calls by individuals who did not identify them as debt collectors. He added that some of these calls were made to his brother’s phone number.
Feeling harassed by Mintex, Inc., the consumer got advice from a consumer lawyer and filed suit against the agency for:
- Calling his brother’s number and leaving personal information
- Failing to identify the callers as debt collectors
- Sending confusing collector letters
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this company are:
They appear on your caller ID, Mintex, Inc. is on the line. If they leave vague or misleading voicemails and call family members about your debt, hire a consumer lawyer and file a claim against Mintex, Inc. You could receive $1000 per violation of the FDCPA. When a debt collector violates your rights, a lawyer can help you make them pay.
**Case taken from PACER (pacer.gov). File number is Case: 1:13-cv-00457 from the United States District Court for the Northern District of Illinois, Eastern 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 Mintex, Inc. or any other third-party collection agency, you may not be entitled to any compensation.