Just because you owe money does not give collection agencies the right to harass you. Many people, however are unaware of the laws in place to help protect their rights. Debt collectors are aware of this knowledge gap and often get away with harassing, bullying, and deceiving consumers.
Don’t put up with it. You have options that include suing the collection agency for compensation.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires third-party collection agencies to behave civilly when communicating with indebted consumers, but it doesn’t always happen.
Abusive tactics like those below are common but illegal, and if you report them it can result in both fines and revocation of the agency’s license.
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Trying to collect an amount that is not authorized by law or the original creditor agreement
- Calling you at work after you’ve told them you’re not allowed to talk to them there
- Using profane and obscene language
- Contacting your friends, family and co-workers and discussing the debt with them
- Using constant phone calls to annoy or harass you
Company Profile: Paragon Revenue Group
If you are being called by Paragon Revenue Group, information about the company is below.
Paragon Revenue Group is a debt collection company located in Concorde, North Carolina. It was established in 1986, has less than 10 employees, and is managed by owner Jon B. McCall. It has a B rating with the Better Business Bureau due to failure to respond to consumer complaints.
Digitized lawsuit records at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed that they were being harassed by Paragon Revenue Group chose to repel the agency’s claims in federal court.
Alleged Violations against Paragon Revenue Group
According to PACER, in or around January 2016 and through January 2017, Paragon Revenue Group allegedly called a Texas woman regarding an alleged debt belonging to her grandmother. She kept telling the collectors that they had the wrong number and to stop calling her, but the company allegedly continued to call.
Feeling harassed by Paragon Revenue Group, she hired a consumer lawyer and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing and oppressive means to collect a debt
- Harassing her by phone
The matter was later settled.
Hire a Lawyer
The phone number for this debt collection agency is 1-800-868-1899. If it appears on your caller ID, it means that you are being called by Paragon Revenue Group.
If they harass you about someone else’s debt and refuse to stop, contact a consumer lawyer who can help you file a claim against Paragon Revenue Group. You could potentially win $1,000 per FDCPA violation plus lawyer fees and court costs.
When a debt collector refuses to believe that they are calling the wrong party, an expensive fine is an effective wakeup call.
- Did a Debt Collector Notify a Third Party Regarding Your Debt?
- What Counts as "Odd Hours" For Debt Collectors?
Case taken from PACER (pacer.gov). File number is Case 3:17-cv-00881-C from the United States District Court for the Northern District of Texas.
*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 Paragon Revenue Group or any other third-party collection agency, you may not be entitled to any compensation.