Debt can overwhelm anyone, but unfortunately, many debt collectors treat anyone who owes money like a criminal or deadbeat. They curse at you, call you names, and threaten to have you arrested. If this happens to you, that collection agency is breaking the law, so call a consumer attorney right away.
Your Rights Under the FDCPA
Before congress passed the Fair Debt Collection Practices Act, or FDCPA, in 1977, consumers were declaring bankruptcy in droves to escape collector harassment. The FDCPA finally made it illegal for a collection agency to use methods like the following to collect a debt:
- Swearing at you while over the phone
- Discussing the debt with any uninvolved third parties
- Making threats they cannot legally perform
- Telling you that you will be arrested if you don’t pay your debt
- Ignoring a written request to cease contact
- Reporting incorrect information to creditors
Company Profile: One Advantage, LLC
If you are being called by One Advantage, LLC, here is a more in-depth overview of the company.
One Advantage, LLC is a healthcare debt collection agency located in La Porte, Indiana with branch offices in Belleville, Illinois and Miami, Florida. It was established in 1958, has 200 employees on staff, and is managed by its President, Arjun Mitra. Civil litigation records at the PACER website indicate that people who believed they were being harassed by One Advantage, LLC fought the agency’s claims in court.
Alleged Violations against One Advantage, LLC*
According to PACER, on or about December 22, 2015, One Advantage, LLC allegedly sent a debt collection letter to an Illinois consumer. The letter concerned a debt that was part of a recent Chapter 13 bankruptcy and stated, in part, that the account would not be reported to the credit bureaus if payment was submitted by February 18, 2016.
Feeling harassed by One Advantage, LLC, the consumer sued the collection agency for allegedly violating her rights by:
- Trying to collect a debt included in a bankruptcy
- Contacting her directly although she had legal representation regarding the debt
- Misrepresenting the legal status of the debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
Seeing any of them on your caller ID is an indicator that you are being called by One Advantage, LLC. If the company sends you demand letters for a debt included in a bankruptcy and threaten to damage your credit if you don’t pay, hire a consumer lawyer and file a claim against One Advantage, LLC. If you win your case, you could receive $1,000 in statutory damages plus court costs and attorney fees, so you have little to lose and potentially a lot to gain.
*Case taken from PACER (pacer.gov). File number is Case 3:16-cv-01240-SMY-DGW from the United States District Court for the Southern District of Illinois.
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 One Advantage, LLC or any other third-party collection agency, you may not be entitled to any compensation.