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.
- Threatening legal action they cannot take
- Calling you at inconvenient times and places
- Demanding that you pay someone else’s debt
- Cursing at you
- Talking to your friends and family about your debt
- Threatening to garnish your wages or seize your home
Company Profile: New Vision Financial Services, Inc.
If you are being called by New Vision Financial Services, Inc., company details are below.
New Vision Financial Services, Inc. is a debt collection agency in The Villages, Florida. It opened for business in 2002, has 10 employees, and is managed by its President, Ronald Moceri. Records at the PACER website suggest that consumers who felt that they were being harassed by New Vision Financial Services, Inc. did not yield.
Alleged Violations against New Vision Financial Services, Inc.*
According to information on the PACER website, in or around late 2002, a representative of New Vision Financial Services, Inc. sent a collection letter to a Michigan consumer who insisted that the debt was invalid. She requested validation of the debt but allegedly never received it, although an agency representative sent her a resolution offer in October 2003.
Feeling harassed by New Vision Financial Services, Inc., the consumer took legal action against the company for:
- Failing to validate the debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is not known, but any time you see an unfamiliar number on your caller ID, it could mean that you are being called by New Vision Financial Services, Inc.. If they demand payment for a debt but ignore your validation requests, hire a consumer lawyer and file a claim against New Vision Financial Services, Inc. In addition to receiving $1,000 compensation if you win your case, you remind collection agencies that the law is in place for a reason.
*Case taken from PACER (pacer.gov). Case 4:04-cv-00008-RAE from the United States District Court for the Western District of Michigan, 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 New Vision Financial Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.