Have you been harassed by a debt collector? Have they called you abusive names, called your boss to tell him that you owe money, or threatened you with jail time if you didn’t pay that very day?
This aggressive conduct is illegal, so your next step should be to find a consumer lawyer in your area who will look out for your best interest.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a section of the Consumer Credit Protection Act. When debt collectors use aggressive collection tactics like those below, the FDCPA gives consumers the ability to fight back.
- Using profane and obscene language
- Telling your friends, neighbors, and co-workers that you owe money and they are trying to collect it from you
- Making legally insupportable threats
- Failing or refusing to report a debt as disputed to the credit bureaus
- Persisting in trying to collect a disputed debt
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
Company Profile: Peerless Credit Services, Inc.
If you are being called by Peerless Credit Services, Inc., information about the company is below.
Peerless Credit Services, Inc. is a debt collection agency located in Middletown, Pennsylvania. It opened for business in 1982, has less than 10 employees, and is managed by owner Vicki Hartman.
Legal files maintained by the PACER website reveals that consumers who felt they were being harassed by Peerless Credit Services, Inc. did not hesitate to litigate its claims.
Alleged Violations against Peerless Credit Services, Inc.
According to PACER, on or about October 2, 2013, Peerless Credit Services, Inc. sent a collection letter to a Pennsylvania resident. It was followed by two more on December 10 and January 14, 2014.
She claimed that all three letters arrived in window envelopes that displayed her account information to anyone who might see them.
Feeling harassed by Peerless Credit Services, Inc., she hired a consumer lawyer and sued the company for making her personal information viewable by outside parties. The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Peerless Credit Services, Inc. are:
Any time you notice these numbers on your caller ID, it means that someone from Peerless Credit Services, Inc. is trying to reach you. If they send demand letters in envelopes that make your personal information visible, contact hire a consumer lawyer who can help you file a claim against Peerless Credit Services, Inc.
If a debt collector violates the FDCPA, you could receive up to $1,000 per violation, as well as for the actual damages you experienced and the attorney's fees you incurred, so when a collector thinks they can get away with abusing your rights, a lawsuit and judgment could clue them in to reality.
- Did a Debt Collector Notify a Third Party Regarding Your Debt?
- How Much Could I Earn If I File an FDCPA Claim?
Case taken from PACER (pacer.gov). File number is Case 1:14-cv-01904-CCC from the United States District Court for the Middle District of Pennsylvania.
*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 Peerless Credit Services, Inc... or any other third-party collection agency, you may not be entitled to any compensation.