When you’re experiencing serious financial challenges, credit card debt can become an alarming problem. With huge fees, sky-high interest rates, and minimum payments that never seem to go down, it isn’t long before you can no longer keep up and debt collectors start calling.
They will rarely be sympathetic to your financial situation and some may even abuse you over it.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects indebted consumers from being harassed by third-party collection agencies. Any company that violates this consumer protection law by using the following tactics can be sued for significant damages.
- Impersonating law enforcement
- Use abusive, obscene, or profane language
- Make phone calls with the intention to harass you
- Adding unauthorized charges or fees to a debt balance
- Failing to send you a debt validation letter
- Publicly identifying you as an alleged debtor
Company Profile: Mitchell D. Bluhm & Associates, LLC
If you are being called by Mitchell D. Bluhm & Associates, LLC, additional information about the office is below.
Mitchell D. Bluhm & Associates, LLC is a debt collection law office in Sherman, Texas. It was founded in 2008, has a mid-sized staff of 50 to 99employees, and is managed by owner Mitchell Bluhm. It has a B rating with the Better Business Bureau.
Litigation records accessible at the PACER website confirms that people who believed they were being harassed by Mitchell D. Bluhm & Associates, LLC did not hesitate to immediately escalate the matter to court.
Alleged Violations against Mitchell D. Bluhm & Associates, LLC
According to PACER, in or around mid-2010 Mitchell D. Bluhm & Associates, LLC started contacting a California consumer about an alleged medical debt. She asserted that the firm often called her before 8:00 a.m. in her time zone and that its initial letter to her failed to advise her of her rights under state and federal laws, including the right to dispute the debt.
Feeling harassed by Mitchell D. Bluhm & Associates, LLC, she hired a consumer attorney and sued the firm for allegedly:
- Contacting her at an inconvenient time
- Failing to send her a debt validation notice
- Using harassing and oppressive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later resolved.
Hire a Consumer Lawyer
The phone numbers for Mitchell D. Bluhm & Associates, LLC are:
If you see any of them on your caller ID day or night, Mitchell D. Bluhm & Associates, LLC is on the line. If they call you at unreasonable hours and fail to properly advise you of your dispute rights, hire a consumer lawyer for assistance in filing a claim against Mitchell D. Bluhm & Associates, LLC.
Collection agencies found guilty of violating the FDCPA can be ordered to pay $1,000 per incident in addition to the plaintiff’s legal bills. You have nothing to lose when it comes to protecting your rights.
Case taken from PACER (pacer.gov). File number is Case 2:11-cv-09579-JCG from the United States District Court for the Central District of California, Western 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 Mitchell D. Bluhm & Associates, LLC or any other third-party collection agency, you may not be entitled to any compensation.