Is a debt collector determined to harass you and make your life difficult? If they tell you that the law entitles them to treat you in this manner, don’t believe them. There are federal statutes in place that prohibit the bullying and harassment of consumers, and any collection agency that behaves otherwise can face serious penalties.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in response to growing concerns about consumers being made ill or insolvent by third-party collection agencies. This consumer protection law makes it illegal to use tactics like those below to collect your money.
- Leaving voice messages that don’t reveal the reason for the call
- Demanding that you pay a debt you never incurred in the first place
- Refusing to prove that a debt is valid and they are authorized to collect it
- Making your debt information available to uninvolved parties
- Making racist or sexist comments
- Calling you names
Company Profile: One Main Consumer Loan, Inc.
If you are being called by One Main Consumer Loan, Inc., more information about this collection agency is below.
One Main Consumer Loan, Inc. is a debt collection agency located in Evansville, Indiana. It is a subsidiary of OneMain Holdings, Inc. It was incorporated in 2012, has over 10,000 employees, and is managed by its President and CEO, Doug Shulman.
The PACER website holds legal records confirming that consumers who believed they were being harassed by One Main Consumer Loan, Inc. hired counsel and fought back.
Alleged Violations against One Main Consumer Loan, Inc.
According to PACER, in March 2017, One Main Consumer Loan, Inc. began contacting a New Jersey consumer to collect a debt. She claimed that in April, debt collectors started calling her at work, disguising themselves as either family members or individuals seeking to procure services related to her line of work.
After contacting her through this ruse, they would allegedly demand payment. When she told them to stop calling, they allegedly ignored her and one aggressive call was allegedly followed by a text disparaging her for refusing to answer or address calls concerning her debts.
Feeling harassed by One Main Consumer Loan, Inc., she hired an attorney and sued the company for allegedly violating her rights by:
- Calling her constantly
- Calling her at work after being asked to stop
- Calling her without disclosing their true identity
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for One Main Consumer Loan, Inc. are:
If you answer a call from any of these numbers on your caller ID, be aware that One Main Consumer Loan, Inc. is on the other end. If they call you at work and send abusive texts when you can’t answer, don’t put up with it. Hire a consumer lawyer and file a claim against One Main Consumer Loan, Inc.
Such egregious conduct could result in your being awarded both statutory and punitive damages, so when the calls don’t stop, let your next call be to an attorney.
Case taken from PACER (pacer.gov). File number is Case 1:18-cv-10005-JBS-JS from the United States District Court for the District of New Jersey.
*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 Main Consumer Loan, Inc., or any other third-party collection agency, you may not be entitled to any compensation.