Although debt collectors are governed by strict laws, this oversight does not prevent some of them from using unethical practices to collect debts. If you are being harassed, get a free case review from a consumer lawyer who can help you protect your rights.
Your Rights Under the FDCPA
While debt collectors may contact you, the Fair Debt Collection Practices Act (FDCPA) prevents them from trying to bully or intimidate you. Agencies that use methods like the following can be fined and shut down.
- Calling at before 8:00 a.m. and after 9:00 p.m
- Using abusive and/or obscene language
- Threatening you with consequences they have no intention of taking
- Calling you at work
- Claiming that you can be arrested if you do not pay
- Using an autodialer to constantly call you
Alleged Violations against Mountain Run Solutions**
According to PACER, in or around November 2018, A consumer in Texas pulled up her credit report and found that Mountain Run Solutions was reporting a debt to at least two of the three major credit reporting agencies.
On February 4, 2019, she called the agency and insisted that she was not the debtor. A representative allegedly told her that it would delete the account from her credit file, but never followed through.
Feeling harassed by Mountain Run Solutions, the consumer took action against the agency for:
- Sending inaccurate information to the credit bureaus
- Using unfair means to collect a debt
A judge awarded her $1,000 in statutory damages along with attorney's fees of $3,900 and court costs of $450.
Hire a Consumer Lawyer
The phone number for this debt collector is 1-801-921-7379. If it pops up on your caller ID, Mountain Run Solutions is trying to reach you about a debt that may not be yours. If they damage your credit by reporting someone else’s debt to your credit profile, hire a consumer lawyer and file a claim against Mountain Run Solutions. Any debt collector that violates the FDCPA may be fined and ordered to compensate you, so stand your ground and act on your rights.
**Case taken from PACER (pacer.gov). File number is Case 6:19-cv-00051-C from the United States District Court for the Northern District of Texas, San Angelo 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 Run Solutions or any other third-party collection agency, you may not be entitled to any compensation.