If you’ve fallen behind on your debts by at least three months, you’ve probably been contacted by a debt collector. These communications are rarely pleasant, but in some cases, the calls and letters can be traumatic because many collection agencies threaten their targets, not caring that they are breaking the law.
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 collection agencies.The FDCPA prohibits collection tactics like the following, which can cause a company to be fined and even lose its license.
● Using profane or obscene language
● Reporting false information to the credit bureaus
● Failing to identify themselves as debt collectors
● Calling you at work
● Using an autodialer to harass you by phone
● Trying to collect an amount that is not authorized by law
Company Profile: Peak Professionals, Inc.
If you are being called by Peak Professionals, Inc., a company summary is below.
Peak Professionals, Inc. is a collection agency in Rolling Meadows, Illinois. It opened its doors in 2014, has 10 employees, and is managed by Stephanie Hall. Digitized records at the PACER website show that consumers who felt they were being harassed by Peak Professionals, Inc. resorted to legal action.
Alleged Violations against Peak Professionals, Inc.
According to PACER, on or around July 10, 2018, Peak Professionals, Inc. allegedly began calling a Louisiana consumer. He told them that he was not the debtor they were looking for and to stop calling his cell phone, but calls kept coming in, allegedly from an autodialer.
Feeling harassed by Peak Professionals, Inc., the consumer took the agency to court for harassing him over a debt that was not even his.
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-847-632-1622. If it appears suddenly on your caller ID, Peak Professionals, Inc. is on the line. If they keep calling you about someone else’s debt, hire a consumer lawyer and file a claim against Peak Professionals, Inc. You could end up being awarded $1,000 per FDCPA violation in addition to legal costs. The law grants you rights that the collection agencies ignore at potential cost, so get a free evaluation from a consumer lawyer to understand your options.
*Case taken from PACER (www.pacer.gov). File number is Case 5:18-cv-01028-SMH-MLH from the United States District Court for the Western District of Louisiana, Shreveport 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 Peak Professionals, Inc. or any other third-party collection agency, you may not be entitled to any compensation.