Are you being called by Pacific Coast Credit?* Here's what you need to know.
Every year debt collectors make millions of connections with consumers every year, and not all of these communications are respectful or even legal. If you are being chased by a collection agency that ignores your rights while demanding your money, there are ways that you can fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a consumer protection law that allows you to dispute an alleged debt and demand no more contact from the offending debt collector. It also prohibits abusive collection tactics like those below.
- Yelling, swearing, and using language meant to intimidate you
- Telling you that you will arrested or your wages garnished if you don’t pay
- Calling you at work after they’ve been advised that such calls are not allowed
- Demanding amounts not supported by law or the original creditor agreement
- Threatening legal action they cannot take or have no intention of taking
- Calling you outside of the hours of 8:00 a.m. to 9:00 p.m. in your time zone
Company Profile: Pacific Coast Credit
If you are being called by Pacific Coast Credit, information about the company is below.
Pacific Coast Credit is a debt collection company located in Eugene, Oregon. It was established in 1968, has less than 10 employees, and is managed by its President, Stanley Dodd. It presently has a D- rating with the Better Business Bureau for failure to respond to complaints. According to legal records indexed at the PACER (Public Access to Court Electronic Records) website, people who felt that they were being harassed by Pacific Coast Credit refuted the company’s claims by fighting back.
Alleged Violations against Pacific Coast Credit
According to PACER, in late 2015 a Washington resident discovered that Pacific Coast Credit was reporting an alleged debt to the credit bureaus. He sent the agency a dispute letter on September 21, but when he examined his credit report again on November 9, 2015, he saw that the account had not been removed or marked it as ''disputed by consumer'' as required by law.
Feeling harassed by Pacific Coast Credit, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of these numbers flash on your caller ID, it means that you are being called by Pacific Coast Credit. If you dispute a debt and they fail to update the credit bureaus, hire a consumer attorney. If you file a claim against Pacific Coast Credit, you could potentially receive $1,000 per FDCPA violation plus court costs and attorney fees. An attorney can help you seek for the damages you are entitled to.
*Case taken from PACER (www.pacer.gov). File number is Case 3:16-cv-05400-BHS from the United States District Court for the Western District of Washington.
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 Pacific Coast Credit, or any other third-party collection agency, you may not be entitled to any compensation.