Are you being called by Park Dansan, Inc.?* Here's what you need to know
As a profession, debt collectors are hardly known for their pleasant approach and customer service. According to the Federal Trade Commission, some have behaved so badly that they've been closed down and been banned from the industry. If you find yourself dealing with this type of debt collector, knowing your rights will guide your next steps.
Your Rights Under the FDCPA
In September 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA.This consumer protection law regulates what debt collectors may do and say while collecting a debt. It prohibits harassing and deceptive tactics like those below.
- Calling you at an inconvenient time, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Claiming that you can be arrested, have your assets seized, or have your wages garnished
- Trying to collect amounts that exceed the original debt
- Threatening legal action they have no intention of taking
- Failing to identify themselves as debt collectors seeking to collect a debt
- Using profane or obscene language
Company Profile: Park Dansan, Inc.
If you are being called by Park Dansan, Inc., information about the company is below.
Park Dansan, Inc. is a debt collection company located in Gastonia, North Carolina. It was established in 1982, has 40 employees and is managed by its President, Eric Felker. Litigation files viewable at the PACER (Public Access to Court Electronic Records) website indicate that consumers who felt they were being harassed by Park Dansan, Inc. dealt with unwanted payment depends by filing lawsuits for infringement of their rights.
Alleged Violations against Park Dansan, Inc.*
According to PACER, on or around September 22, 2003, Park Dansan, Inc. began sending collection letters to a New York man. It was the first letter he had received from the company and demanded immediate payment, although the required dispute period had not yet passed.
Feeling harassed by Park Dansan, Inc., 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
- Demanding immediate payment during the dispute period.
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of them appear on your caller ID at any time, it means that you are being called by Park Dansan, Inc. If they demand payment right away in violation of your dispute rights, hire a consumer attorney who can help fight for your rights. If you file a claim against Park Dansan, Inc. and win, you could be awarded $1,000 per FDCPA violation, in addition to legal costs you may have incurred pursuing the action. Collection agencies that ignore your rights can face significant penalties, so always be prepared to fight back.
*Case taken from PACER (www.pacer.gov). File number is Case 1:03-cv-05158-CPS-ASC from the United States District Court for the Eastern District of New York.
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 Park Dansan, Inc., or any other third-party collection agency, you may not be entitled to any compensation.