Are you being called by Paid in Full, Inc.?* Here’s what you need to know.
If you miss a certain number of payments on your credit cards, mortgage, and other bills, the creditor will eventually turn the account over to a third-party collection agency. These debt collectors are notorious for using all kinds of underhanded and deceptive tactics to get you to pay, but don’t be intimidated. If they go too far with you, you have recourse under the law.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA. This consumer protection law gave consumers the right to dispute a debt and demand no further contact from the collection agency. It also made it illegal for third-party debt collectors to use pressure tactics like those below.
- Using profane and obscene language
- Pretending to be police officers or government agents
- Reporting false information to the credit bureaus
- Failing or refusing to prove a debt exists and they are authorized to collect it
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Demanding amounts that are inflated by ‘service charges’
Company Profile: Paid in Full, Inc.
If you are being called by Paid in Full, Inc., information about the company is below.
Paid in Full, Inc. is a debt collection company located in Phoenix, Arizona. It was established in 2002, has less than 10 employees, and is managed by Steve Johnson. It is also a member of the Arizona Collectors Association. Records retained at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Paid in Full, Inc. challenged the company in federal court.
Alleged Violations against Paid in Full, Inc.
According to PACER, in or about August 2013, Paid in Full, Inc. began attempting to collect a consumer debt from Arizona residents. The agency also reported the debt as an account tradeline to two or more consumer reporting agencies, including Trans Union and Experian. The debt had had been in default for over seven years, but Paid in Full, Inc. allegedly changed the “open date” to August 2013.
In July or August 2014, the couple discovered that the debt was being reported as an account tradeline, so they sent dispute letters to the consumer reporting agencies. Paid in Full, Inc sent a letter acknowledging the disputes and stating that its reporting was accurate.
Feeling harassed by Paid in Full, Inc., they hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
The matter was later dismissed.
Hire an Attorney
The phone number for this collection firm are:
If you see either of these numbers on your caller ID when the phone rings, it means that you are being called by Paid in Full, Inc.. If the company re-ages a time-barred account and reports inaccurate information to the credit bureaus, hire a consumer attorney. If you file a claim against Paid in Full, Inc. and win, you could potentially be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages, showing Paid in Full, Inc that their harassment of you was an expensive mistake.
*Case taken from PACER (www.pacer.gov). File number is Case 2:16-cv-01496-NVW from the United States District Court for the District of Arizona.
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 Paid in Full, Inc., or any other third-party collection agency, you may not be entitled to any compensation.