Many consumers are contacted by debt collectors to an extent that they find and harassing. If this happens to you, understand that these debt collectors are breaking the law and you can make them stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to regulate third-party debt collectors. It prohibits collection methods like the following, and any offending company risks fines and license revocation.
- Failing to identify itself a debt collector in all communications
- Threatening to communicate negative information to the credit bureaus
- Demanding immediate payment during the statutory dispute period
- Using profane and obscene language
- Calling you at work when they know that your boss doesn’t allow such calls
- Adding illegal service fees to the original debt
Company Profile: Morgan & Associates
If you are being called by Morgan & Associates, below are some additional company details.
Morgan & Associates is a debt collection agency in Oklahoma City, Oklahoma. It was established in 1988, has 12 employees, and is managed by its President, Porter H. Morgan III. The PACER website holds records indicating that consumers who believed that they were being harassed by Morgan & Associates did not give in to payment demands.
Alleged Violations against Morgan & Associates*
According to information on the PACER website, in or around October 2010, Morgan & Associates began calling a Florida consumer to collect a debt. He complained that collectors left voice messages that were heard by third parties, causing stress and embarrassment.
Feeling harassed by Morgan & Associates, the consumer took the company to court for:
- Making his debt information available to third parties
- Using harassing and abusive means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If either of these numbers ever flash on your caller ID, it means that Morgan & Associates is calling about a debt you are believed to owe. If they leave voice messages that share your debt information with unauthorized third parties, hire a consumer lawyer and file a claim against Morgan & Associates. 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 (pacer.gov). Case 0:10-cv-62390-WJZ from the United States District Court for the Southern District of Florida, Fort Lauderdale 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 Morgan & Associates or any other third-party collection agency, you may not be entitled to any compensation.