Debt collectors harass their targets using a variety of abusive and unethical methods. Common examples include using name-calling, using an autodialer to speed-dial the person’s phone, and threatening to garnish wages or send the person to jail.
Such behavior is 100% illegal, but they bank on the probability that most consumers are too unfamiliar with their rights to protest.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates what debt collectors can say or do while attempting to collect a debt. When a collection agency uses measures like those below, they risk being fined or shut down.
- Harassing you over a debt that is not even yours
- Demanding amounts that exceed the original debt
- Calling you directly after learning that you are now represented by an attorney
- Using abusive language
- Demanding amounts that are not supported by law or the original creditor agreement
- Calling you at inconvenient times
Company Profile: Opportunity Financial, LLC
If you are being called by Opportunity Financial, LLC, details about the company have been collected and presented below.
Opportunity Financial, LL, which also does business as OppLoans, is an installment loan provider and debt collection agency located in Chicago, Illinois. It was founded in 2009, has 101 employees, and is managed by CEO Jared Kaplan.
Records at the PACER website confirm that consumers who believed they were being harassed by Opportunity Financial, LLC fought back when they had enough.
Alleged Violations against Opportunity Financial, LLC
According to PACER, on or around February 9, 2017, an agent of Opportunity Financial, LLC sent a collection letter to a Missouri consumer. She alleged that the document was on letterhead that made it appear as if an attorney was involved and that when she called to learn more about the debt, she was told that “clients place accounts with us to obtain judgments.”
Feeling harassed by Opportunity Financial, LLC, the consumer acted on her rights and sued the company for allegedly violating the FDCPA by:
- Making it appear as if an attorney was involved in her case
- Threatening actions that could not legally be taken
- Using false, deceptive, and misleading methods to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If they appear on your caller ID, be aware that Opportunity Financial, LLC is calling. If they try to alarm you into paying by implying that an attorney is involved and a lawsuit is forthcoming, don’t be misled. Instead, fight back by hiring a consumer lawyer and filing a claim against Opportunity Financial, LLC.
You could win $1,000 per FDCPA violation plus legal expenses, so never be intimidated when the law is on your side.
Case taken from PACER (pacer.gov). File number is Case: 4:17-cv-01180-NCC from the United States District Court for the Eastern District of Missouri, Eastern 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 Opportunity Financial, LLC or any other third-party collection agency, you may not be entitled to any compensation.