Is North East Receivables calling you? Here’s How to protect your rights!*
There are a lot of reasons why people fall into serious debt. They include job loss, illness, or an unexpected and expensive crisis like car or house repairs.
You may not be at fault for any of these mishaps, but the result remains the same: you start getting calls from debt collectors.
Once a certain number of payments are missed, creditors will assign them to third-party debt collectors or sell them to junk debt buyers who will proceed to move heaven and earth to settle the accounts.
The Fair Debt Collection Practices Act, or FDCPA, requires collection agencies to be both ethical and professional when attempting to collect a consumer debt.
This means that if you are harassed by a debt collection agency, you have the legal option to seek compensation for their harassment, and it requires debt collectors to follow the law.
Even though breaking these laws is a big financial risk for debt collection agencies, they still do it, just to get your money.
Under the law, collections agencies can no longer do things like:
- Using abusive and / or obscene language
- Calling you at all hours
- Demanding amounts that exceed the original debt
- Telling you that you will arrested and sent to jail if the debt is not paid
- Calling your workplace and mentioning the debt to your co-workers and / or the payroll department
- Keep contacting you even after you dispute a debt or demand its validation
Alleged Violations against North East Receivables, Inc.*
North East Receivables, Inc. is a collection agency located in Newton, Massachusetts. It was established in 2001, has a small staff of less than 10 employees, and has a branch office in New Jersey.
A review of civil litigation records at the PACER (Public Access to Court Electronic Records) website confirms that North East Receivables, Inc. has been sued by consumers who believed that their rights were being violated during the debt collection process.
In October 2003 a New Jersey resident received a letter from North East Receivables, Inc.
It advised her that the company had filed suit against her in the Burlington County Court and added, “In a final attempt to resolve this matter amicably and without further costs to you, we urge you to contact this office at your earliest convenience.”
The plaintiff received another, nearly identical letter the following month.
A call to the Burlington County Court confirmed that no suit had actually been filed, so she hired a consumer attorney and sued North East Receivables, Inc. for violating the FDCPA by threatening legal action it had no intention of taking.
The matter was later settled.
The phone number for North East Receivables, Inc. is 617-921-5791. If your phone rings and this number appears on your caller ID, it means that a debt collector may be trying to contact you.
If they threaten legal action that never transpires, contact a consumer attorney who can help you assert your rights in court.
You could potentially be awarded $1,000 per FDCPA violation plus attorney’s fees, court costs, and any actual damages. When a debt collector pushes you too far in an attempt to get your money, the FDCPA gives you the foundation to push back.
*Case taken from PACER (www.pacer.gov). File number is 2:04-cv-03217-WGB-MCA, from United States District Court, District of New Jersey.
Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against North East Receivables, Inc. or any other third-party collection agency, you may not be entitled to any compensation.