No one ever expects to find themselves in the position of falling behind on their debts, but it happens. When debt collectors begin to go too far and take advantage of you, they may be violating an important consumer protection law. Working with a consumer lawyer can help you understand the full scope of your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed by Congress in 1977 to protect consumers from being abused and taken advantage of by debt collectors. If the agency assigned to your account is using any of the strategies below to get money from you, you may have grounds to sue them.
- Failing to identify themselves as debt collectors seeking to collect a debt
- Using obscene, profane, and threatening language
- Pretending to be attorneys or police officers
- Failing or refusing to report a debt as disputed to the credit bureaus
- Discussing the debt with your family, friends, and co-workers
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
Company Profile: National Bond & Collection Associates, Inc.
If you are being called by National Bond & Collection Associates, Inc., information about the company is listed below.
National Bond & Collection Associates, Inc. is a debt collection agency located in Kingston, Pennsylvania. It was founded in 1983, has 25 employees and is managed by its President, Vince Sperduto.
On its website, it claims to be assisted by state-of-the-art collection technologies. Files maintained by the PACER website show that people who felt harassed by National Bond & Collection Associates, Inc. stopped challenging the company by phone and went to court instead.
Alleged Violations against National Bond & Collection Associates, Inc.
According to PACER, on or before May 22, 2009 National Bond & Collection Associates, Inc. began calling a Pennsylvania consumer to collect an alleged debt. She alleged that between May 21, 2009, and November 6, 2009, the company left her at least two voice messages that did not identify the callers as debt collectors seeking to collect a debt.
Feeling harassed by National Bond & Collection Associates, Inc., she hired a consumer lawyer and sued the agency for allegedly committing the following illegal acts:
- Using false, deceptive and misleading means to collect a debt
- Failing to identify itself as a debt collector in all communications
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for National Bond & Collection Associates, Inc. are:
If you see any of these numbers on your caller ID, you are being called by National Bond & Collection Associates, Inc.. If they leave you messages that don’t identify them as debt collectors seeking to collect a debt, hire a consumer lawyer who can help you take action.
If you file a claim against National Bond & Collection Associates, Inc. and win, the company could be ordered to pay you to up to $1000 in statutory damages in addition to compensating you for attorney's fees and court costs. Never let a collection agency believe you have no rights when the truth is otherwise.
Case taken from PACER (pacer.gov). File number is Case 3:10-cv-00038-JMM from the United States District Court for the Middle District of Pennsylvania.
*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 National Bond & Collection Associates, Inc. or any other third-party collection agency, you may not be entitled to any compensation.