If you’ve heard unfavorable things about debt collectors, they are probably true. Each year the Federal Trade Commission investigates hundreds of complaints about third-party debt collectors. If you’re dealing with one of these aggressive agencies, learn more about your rights when dealing with them.
Your Rights Under the FDCPA
While collection agencies are allowed to contact you to discuss paying a debt, the Fair Debt Collection Practices Act (FDCPA) penalizes debt collectors that attempt to harass you into paying by:
● Saying that they will serve “court papers” on you at work
● Trying to collect a debt that was included in an earlier bankruptcy
● Ignoring a written cease communication request
● Cursing and threatening you
● Claiming to be federal agents or police officers
● Reporting false information to the credit bureaus
Company Profile: Pacific Credit Services
If you are being called by Pacific Credit Services, additional company details are below.
Pacific Credit Services, which also does business as Credit Bureau Associates, is a debt collection agency in Fairfield, California. It was established in 1947, has 42 employees, and is managed by its President, Kathryn Parsons. The company has a B- rating with the Better Business Bureau. Legal records at the PACER website reveals that consumers who believed that they were being harassed by Pacific Credit Services demanded statutory compensation.
Alleged Violations against Pacific Credit Services*
According to information on the PACER website, on or about February 26, 2018, Pacific Credit Services sent a collection letter to a Nevada consumer. The charges, when tallied, came to $11,031.75 but the amount demanded was $12,687.04.
Feeling harassed by Pacific Credit Services, the consumer filed a class action lawsuit against the company for allegedly:
● Using false, deceptive, and misleading means to collect a debt
● Misrepresenting the character, amount, or legal status of the debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Their presence on your caller ID confirms that you are being called by Pacific Credit Services. If they send collection letters that don’t clarify how much you owe, hire a consumer lawyer and file a claim against Pacific Credit Services. You could be awarded both statutory and punitive damages plus your attorney fees, so when a collection agency disregards your rights, the law supports appropriate remedies.
*Case taken from PACER (www.pacer.gov). File number is Case 2:18-cv-01170-APG-NJK from the United States District Court for the District of Nevada.
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 Credit Services or any other third-party collection agency, you may not be entitled to any compensation.