Debt collectors don’t always respect boundaries. In December 2018, a Kansas judge ordered a collection agency to stop hounding a woman who would otherwise have been stuck paying a debt until she turned 84.
If you are being chased by a collection agency with a similarly aggressive approach, learn more about your legal rights in these situations.
Your Rights Under the FDCPA
The federal Fair Debt Collection Practices Act (FDCPA) was passed over 40 years ago to protect consumers who were being harassed to the point of bankruptcy. While it permits debt collectors to collect a legitimate debt, actions like those below are illegal.
- Swearing and using obscene language
- Demanding amounts that are not supported by law or the original creditor agreement
- Discussing the debt with your friends and family
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Reporting inaccurate information to the credit bureaus
- Telling you that you can be arrested or sent to jail
Company Profile: Optimum Outcomes
If you are being called by Optimum Outcomes, a more detailed company background is below. Optimum Outcomes is a medical debt collection agency headquartered in Downer’s Grove, Illinois.
It was founded in 2002 under the name Revenue Cycle Solutions, Inc, has 282 employees, and is managed by its President, Don Payne. The company has an F rating with the Better Business Bureau for failure to address 16 complaints.
The PACER website holds records confirming that many consumers who felt they were being harassed by Optimum Outcomes hired an attorney to help them aggressively protect their rights.
Alleged Violations against Optimum Outcomes
According to PACER, on or about April 2013, Optimum Outcomes began calling an Illinois consumer to collect a medical debt. After she filed for Chapter 13 bankruptcy, her attorney contacted the agency to report that she had legal counsel, but the collection attempts allegedly continued.
Feeling harassed by Optimum Outcomes, the consumer sued the collection agency for allegedly:
- Trying to collect a debt included in a bankruptcy
- Contacting her directly after receiving notice that she had legal counsel
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If you see either number on your ID, it means that Optimum Outcomes may be trying to collect a debt from you. If they persist in calling you about a debt included in a recent bankruptcy, hire a consumer lawyer and file a claim against Optimum Outcomes.
Too many debt collectors assume that consumers are unfamiliar with their rights, and a lawsuit that could impose significant penalties on them can serve as a wake-up call.
Case taken from PACER (pacer.gov). File number is Case: 1:13-cv-03259 from the United States District Court for the Northern District of Illinois, 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 Optimum Outcomes or any other third-party collection agency, you may not be entitled to any compensation.