Is Payliance, Inc. Calling You?*

Is Payliance, Inc. calling you?* Here’s what you need to know.

Today, the average American household has a $15,000 revolving credit card balance. With credit card interest at a median rate of 18%, these families are contributing nearly 9% of their income towards interest payments every year. When they are unable to keep up, debt collectors will soon start calling, and not all of them regard consumer rights as a priority.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from being harassed by third-party debt collectors. This consumer protection law, which is enforced by the Federal Trade Commission, prohibits actions like the following during the collection of a debt:

• Using profane and obscene language
• Calling at inconvenient times, namely before 8:00 a.m. and after 9:00 p.m. in your time zone
• Failing to identify themselves as debt collectors seeking to collect a debt
• Demanding outrageous amounts that exceed the amount of the original debt
• Threatening action they cannot legally take or have no intention of taking
• Discussing the debt with anyone except you, your spouse, or your attorney

Company Profile: Payliance, Inc.

Payliance, Inc. is a debt collection agency located in Columbus, Ohio. It was established in 2009, has 51 employees, and is managed by CEO John Cullen. Records on file at the PACER (Public Access to Court Electronic Records) website confirm that Payliance, Inc. has been accused of debt collection practices that violate consumer rights under the FDCPA.

Alleged Violations against Payliance, Inc.

According to PACER, beginning on or about January 16, 2015, a Georgia resident began receiving calls on her cell phone from Payliance, Inc. She later complained that she’d been called at least 79 times over the ensuing months, and that each call was made by an auto dialer or other predictive dialing equipment. When she requested that they cease, the collectors allegedly responded that they would continue to call until the debt was paid.

She finally hired a consumer attorney and sued Payliance, Inc. for allegedly violating the FDCPA in the following ways:

• Behaving in a harassing and abusive manner toward her
• Using an auto dialer to contact her
• Continuing to call after she asked them to stop

The matter was later settled.

Hire an Attorney

The phone numbers for Payliance, Inc. are:

• 1-614-944-5788
• 1-800-634-4484

If you see either of these numbers on your caller ID when the phone rings, a debt collector is looking for you. If they call you constantly using an auto dialer and ignore you when you tell them to stop, hire a consumer attorney. If the matter proceeds to court, you could potentially win $1,000 per FDCPA violation as well as attorney’s fees, court costs, and any actual damages, showing Payliance, Inc. that their harassment of you was an expensive mistake.

*Case taken from PACER (www.pacer.gov). File number is Case 1:16-cv-01034-RWS from the United States District Court for the Northern District of Georgia, Atlanta Division.
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 Payliance, Inc. or any other third-party collection agency, you may not be entitled to any compensation.