In early December 2018, the Guardian warned that aggressive debt collectors have been linked to suicide, with more than 100,000 UK residents in deep debt attempting to take their lives. It’s reasonable to assume that conditions are equally serious in the U.S.
If you are being harassed by a debt collector, see a consumer attorney who can help you stop the abuse.
Your Rights Under the FDCPA
If a debt collector is trying to harass you into paying a debt you can’t afford or may not even be yours, they are breaking the law. The Fair Debt Collection Practices Act, or FDCPA, protects you from unfair and oppressive collection methods like those below.
- Using an autodialer to send automated calls to your phone
- Deliberately reporting inaccurate information to the credit bureaus
- Trying to collect a time-barred debt
- Threatening and verbally abusing you
- Pretending to be lawyers or members of law enforcement
- Telling your friends and family about the debt to stress you into paying
Company Profile: Out Tech, Inc.
If you are being called by Out Tech, Inc., more information about the agency’s background and day-to-day operations is listed below.
Out Tech, Inc., which also does business as Bureau of Account Management, is a medical debt collection agency located in Camp Hill, Pennsylvania. It was founded in 1997, has 27 employees, and is managed by its President, Steve Kunkle.
The PACER website holds litigation records proving that consumers who believed they were being harassed by Out Tech, Inc. asserted their rights in court.
Alleged Violations against Out Tech, Inc.
According to PACER, on or around March 22, 2017, Out Tech, Inc. sent a collection letter to a New Jersey consumer. He disputed the debt in writing, but when he checked his credit report on or around October 27, 2017, he found that the dispute had not been communicated to the credit bureaus.
Feeling harassed by Out Tech, Inc., the consumer hired legal counsel and sued the company for the following alleged FDCPA violations:
- Failing to report the debt as disputed to the credit bureaus
- 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 you notice them on your caller ID, it means that Out Tech, Inc. is on the line. If you dispute a debt and they fail or refuse to convey that information to the credit bureaus, hire a consumer lawyer and file a claim against Out Tech, Inc.
You could be awarded $1,000 per FDCPA violation and have your legal costs covered, so when a collection agency ignores your rights, a lawsuit can help ensure their compliance.
Case taken from PACER (pacer.gov). File number is Case 1:17-cv-13576-NLH-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 Out Tech, Inc. or any other third-party collection agency, you may not be entitled to any compensation.