If you’re so stressed by debt collectors that you’re losing sleep, it’s a sign that they’ve gone too far. Although they can request payment, they are not allowed to impact the quality of your life. Read on to learn more about your rights under these circumstances.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that protects consumers from being harassed and threatened by collection agencies. Third-party debt collectors are prohibited from using tactics like those below to collect a debt.
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Discussing the debt with uninvolved third parties
- Claiming that you can be arrested
- Using profane and obscene language
- Trying to collect amounts that exceed the original debt
- Threatening legal action they have no intention of taking
Company Profile: New Horizon Credit, Inc.
If you are being called by New Horizon Credit, Inc., below is a general company overview.
New Horizon Credit, Inc. is a debt collection agency in Indianapolis, Indiana. It was established in 2003, has 54 employees, and is managed by its President, Fred Goodnight. The PACER website records include files confirming that people who believed that they were being harassed by New Horizon Credit, Inc. chose to fight back.
Alleged Violations against New Horizon Credit, Inc.*
According to information on the PACER website, on or around April 26, 2006, New Horizon Credit, Inc. sent a collection letter to a Nevada consumer who insisted that she did not owe the debt. It included the statement that disputes had to be in writing, which was not the case.
Feeling harassed by New Horizon Credit, Inc., the consumer took legal action against the company for:
- Using false, deceptive, and misleading means to collect a debt
- Misrepresenting her dispute rights
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection firm is 1-317-579-4258. Any time it flashes on your caller ID, it means that you are being called by New Horizon Credit, Inc.. If they sent collection letters that misrepresent your dispute rights in any way, hire a consumer lawyer and file a claim against New Horizon Credit, Inc. The court could award you $1,000 plus legal costs, so don’t hesitate when a debt collector goes too far.
*Case taken from PACER (pacer.gov). Case 2:06-cv-00740-RLH-LRL from the United States District Court for the District of Nevada.
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 Horizon Credit, Inc. or any other third-party collection agency, you may not be entitled to any compensation.