When debt collectors are harassing you daily to pay debts you can’t afford, it can be hard to decide which way to turn. You may even contemplate bankruptcy. While this can be a valid debt solution for you, there are other ways to make unwanted calls and letters stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects you from being mistreated by unethical debt collectors. It makes third-party collections agencies answerable to the Federal Trade Commission and penalizes any company that uses ruses like the following to make you pay.
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Demanding amounts that are inflated by ‘service charges’
- Using profane and obscene language
- Telling your friends and neighbors that you owe money
- Leaving voice messages that don’t identify them as debt collectors
- Failing to send a debt validation package
Company Profile: Mountain Land Collections, Inc.
If you are being called by Mountain Land Collections, Inc., a general agency overview is below.
Mountain Land Collections, Inc. is a debt collection agency in American Fork, Utah. It was founded in 1991, has 29 employees, and is managed by its President, Marquelle Bogh. Legal files at the PACER website suggest that consumers who felt that they were being harassed by Mountain Land Collections, Inc. took swift legal action.
Alleged Violations against Mountain Land Collections, Inc.*
According to PACER, on or around November 21, 2005, Mountain Land Collections, Inc. sent a collection letter to a California consumer regarding a medical debt. On November she sent the company a letter stating that she disputed the debt and refused to pay.
Although tracking confirmed that the agency received the letter, more collection communications allegedly followed.
Feeling harassed by Mountain Land Collections, Inc., the consumer took the company to court for allegedly violating her rights in the following ways by contacting her after she stated a refusal to pay.
The matter was later resolved.
Hire a Consumer Lawyer
The phone number for this collection agency is 1-801-492-1596. Its appearance on your caller ID is an indication that you are being called by Mountain Land Collections, Inc.
If you advise them that you cannot pay the debt and they persist in calling and sending letters, your next step should be to hire a consumer lawyer and file a claim against Mountain Land Collections, Inc.
You could receive $1,000 per violation plus court costs and attorney fees, so when a collection agency refuses to listen to you, a lawsuit can help them get the message.
Case taken from PACER (pacer.gov). File number is Case 5:06-cv-02234-RMW from the United States District Court for the Northern District of California, San Jose 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 Mountain Land Collections, Inc., or any other third-party collection agency, you may not be entitled to any compensation.