When you lose your job, paying your bills can become impossible. If a debt collector belittles your inability to pay and tries to threaten you, there are things you can do to make them stop, no matter how much you may owe.
Your Rights Under the FDCPA
Signed into law in 1977, the Fair Debt Collections Practices Act, or FDCPA, protects you from abusive debt collection practices. Under the FDCPA, collection agencies that use strategies like those below can face severe consequences.
- Using profane and obscene language
- Calling before 8:00 a.m. and after 9:00 p.m.
- Using the telephone to harass you with constant calls
- Trying to collect amounts that are not authorized by law
- Telling your friends, neighbors and co-workers that you owe money
- Harassing you at work
Company Profile: New Hampshire Northeast Credit Services Inc.
If you are being called by New Hampshire Northeast Credit Services Inc., here are some additional company details.
New Hampshire Northeast Credit Services Inc. is a collection agency in Nashua, New Hampshire. It was founded in 1927, has 11 employees, and is managed by Wesley Pike. Digital litigation records at the PACER website suggest that those who felt that they were being harassed by New Hampshire Northeast Credit Services Inc. would not pay.
Alleged Violations against New Hampshire Northeast Credit Services Inc.**
According to PACER, on or around June 15, 2010, New Hampshire Northeast Credit Services Inc. sent a collection letter to a Connecticut couple. It regarded a debt that had been discharged in a Chapter 7 filing, so the husband called the company. He spoke with an employee who allegedly called him a “deadbeat” and said that she “had no interest in that information.”
Feeling harassed by New Hampshire Northeast Credit Services Inc., the consumers sued the agency for:
- Misrepresenting the legal status of the debt
- Trying to collect a debt discharged in bankruptcy
The complaint was later withdrawn.
Hire a Consumer Lawyer
The phone numbers for New Hampshire Northeast Credit Services Inc. are:
Their presence on your caller ID confirms that you are being called by New Hampshire Northeast Credit Services Inc.. If they demand that you pay a discharged debt and belittle you when you refuse, hire a consumer lawyer and file a claim against New Hampshire Northeast Credit Services Inc.. You could potentially win $1,000 per violation in addition to any attorney’s fees, added court costs, and other actual damages. No matter how much you owe, a debt collector can be penalized if they try to collect it illegally.
**Case taken from PACER (pacer.gov). File number is Case 3:11-cv-00687-SRU from the United States District Court for the District of Connecticut.
*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 New Hampshire Northeast Credit Services Inc. or any other third-party collection agency, you may not be entitled to any compensation.