Once you have missed several debt payments, the accounts may be turned over to a collection agency. Although a federal law dictates how these debt collectors may interact with you via letter and over the phone, many of them try to bully you into paying.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, grants you the right to dispute a debt and tell third-party collection agencies to cease all contact. It also prohibits the use of activities like those below when collecting or attempting to collect a debt.
- Using profane and obscene language
- Chasing you over a time-barred debt
- Threatening to garnish your wages when they can’t legally do so
- Calling at inconvenient times
- Pretending to be law enforcement
- Failing to identify themselves during each communication
Company Profile: Myers & Porter, LLP
If you are being called by Myers & Porter, LLP, more information about the firm is below.
Myers & Porter, LLP is a debt collection law firm in Bedford, Texas. It opened for business in 2010, has fewer than 10 employees, and is managed by Joan Myers. An examination of archived files at the PACER website indicates that people believed that they were being harassed by Myers & Porter, LLP engaged counsel to help them protect their rights.
Alleged Violations against Myers & Porter, LLP*
According to information on the PACER website, on or around August 2, 2002, Myers & Porter, LLP tried to collect a credit card debt from a Texas consumer by serving her with a lawsuit. The suit was filed in Tarrant County, but she did not live there and had not signed the contract creating the debt in Tarrant County.
When the consumer called the firm to ask why the suit had been filed there, she was allegedly told, “that’s the court we file in.” The employee also allegedly told her that the firm’s client could seize her tax refund and place a lien on her home.
In addition, it appeared that the firm’s client had not filed a surety bond with the Texas Secretary of State, which was necessary to collect debts in Texas.
Feeling harassed by Myers & Porter, LLP, the consumer hired a lawyer and sued the firm for:
- Trying to deceive her into paying the debt
- Using harassing and abusive means to collect a debt
- Threatening legal action it could not take
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection firm is 1-817-545-6394. If you see it on your caller ID when the phone rings, it is confirmation that you are being called by Myers & Porter, LLP. If they file a suit against you in a location where you don’t live and did not sign the creditor agreement, hire a consumer lawyer and file a claim against Myers & Porter, LLP You could potentially be awarded $1,000 per FDCPA violation. Never passively accept abuse from a collection agency when their actions are against the law.
*Case taken from PACER (pacer.gov). Case 3:02-cv-02543-BD from the United States District Court for the Northern District of Texas, Dallas 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 Myers & Porter, LLP or any other third-party collection agency, you may not be entitled to any compensation.