The Federal Trade Commission recently froze the assets of a collection agency that allegedly pursued fabricated debts from stolen consumer data. The FTC also found that agency collectors claimed to be attorneys and threatened those who didn’t pay.
This type of misconduct is not unique in the debt collection industry, so if you are being harassed over debts you don’t believe you owe, learn more about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, has been protecting the rights of indebted consumers for over 40 years. If a third-party debt collector uses methods like the following to collect a debt from you, there is sufficient cause to sue them.
- Ignoring a written dispute letter
- Chasing you to pay a debt discharged in an earlier bankruptcy
- Contacting you directly when you have an attorney regarding the debt
- Leaving rude or threatening voicemails
- Calling you at work when they know that you can’t take calls there
- Saying a lawsuit is imminent when it isn’t
Company Profile: Nationstar Mortgage, LLC
If you are being called by Nationstar Mortgage, LLC, more company information is below.
Nationstar Mortgage, LLC, which also does business as Mr. Cooper, is a mortgage servicer and collection agency located in Dallas, Texas. It was founded in 1994, has 7,700 employees, and is managed by CEO Jay Bray.
Litigation records maintained by the PACER website confirm that consumers who felt that they were being harassed by Nationstar Mortgage, LLC sued the company to make it prove its claims.
Alleged Violations against Nationstar Mortgage, LLC
According to PACER, on or around September 15, 2014, Nationstar Mortgage, LLC sent a collection letter to an Alabama consumer, advising her that she was ten months behind on her mortgage and was now in default, although it had approved her for a mortgage modification in July and she had been making payments.
The consumer claimed that after the letter was sent, Nationstar Mortgage, LLC started rejecting her payment and reported her as delinquent to the credit bureaus.
Feeling harassed by Nationstar Mortgage, LLC, she hired a consumer attorney and sued the company for allegedly:
- Using false, deceptive and misleading means to collect a debt
- Misrepresenting the legal status of the debt
- Reporting inaccurate information to the credit bureaus
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Nationstar Mortgage, LLC are:
Seeing them on your caller ID is confirmation that Nationstar Mortgage, LLC is on the line. If you modify the terms of your mortgage agreement with them and they proceed to report you as delinquent, hire a consumer lawyer and file a claim against Nationstar Mortgage, LLC.
The company could be ordered to pay you $1,000 per FDCPA violation and cover your attorney fees, so you have little to lose by standing up for yourself.
Case taken from PACER (pacer.gov). File number is Case 1:15-cv-00263-KD-C from the United States District Court for the Southern District of Alabama, Southern 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 Nationstar Mortgage, LLC, or any other third-party collection agency, you may not be entitled to any compensation.