Aggressive debt collectors are notorious for using unethical means to collect money from people. The authorities step in when they can: the Federal Trade Commission recently reached a $3.5 million settlement with Georgia debt collectors over an alleged scheme.
These successful actions don’t always curb other collection agencies, so if you are being harassed, you may have to take legal action of your own.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from harassment by third-party debt collectors. Since then, it has been illegal to use methods like the following to settle a debt.
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Trying to collect after you have formally disputed a debt
- Using profane and abusive language
- Using an autodialer to leave a series of pre-recorded messages
- Calling you at work when your employer does not allow such calls
- Refusing to validate the debt and prove that they are authorized to collect it
Company Profile: Payment Resolution Services, LLC
If you are being called by Payment Resolution Services, LLC, a company history and operations overview is below.
Payment Resolution Services, LLC is a healthcare debt collection agency located in Franklin, Tennessee. It opened for business in 1996, has approximately 500 employees, and is managed by its Presidnet, James Sohr.
Records viewable at the PACER website confirm that people who felt they were being harassed by Payment Resolution Services, LLC asserted their rights in court.
Alleged Violations against Payment Resolution Services, LLC
According to PACER, on or about February 18, 2014, Payment Resolution Services, LLC sent a debt collection letter to a California consumer. On March 14, she faxed a letter to the agency disputing the debt and requesting validation.
The consumer later asserted that she never received the requested validation, but got another demand letter on March 20.
Feeling harassed by Payment Resolution Services, LLC, the consumer filed an FDCPA lawsuit against the company for allegedly violating her rights by failing to validate the debt on request.
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If the phone rings and you see either number on your caller ID, it is confirmation that Payment Resolution Services, LLC is trying to collect money from you. If they ignore your written dispute and fail to validate the debt as required by law, hire a consumer lawyer and file a claim against Payment Resolution Services, LLC.
You could be awarded statutory damages of $1,000 per violation plus court costs and your attorney fees, so when a collection agency abused your rights, let the law help you fight back.
Case taken from PACER (pacer.gov). File number is Case 2:15-cv-01999-BRO-PLA from the United States District Court for the Central District of California.
*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 Payment Resolution Services, LLC or any other third-party collection agency, you may not be entitled to any compensation.