Nearly one-third of Americans have, at one point, had an average of $5,000 in collections. If the collection agency you are dealing with intrudes on your private time and is verbally abusive when you refuse their demands, they’re breaking the law and you can take appropriate action.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, limits what third-party debt collectors can say or do when communicating with consumers. Using collection methods like the following violate the FDCPA and can result in fines and even license revocation.
- Using profane and obscene language
- Pretending to be attorneys or police officers
- Telling you that you can be arrested and sent to jail if you don’t pay
- Failing or refusing to identify themselves as debt collectors trying to collect a debt
- Discussing the debt with uninvolved third parties like your friends, family and neighbors
- Calling at unreasonable and inconvenient hours
Company Profile: Perfection Collection, LLC
If you are being called by Perfection Collection, LLC, information about the company is below.
Perfection Collection, LLC is a debt collection company located in Orem, Utah. It was established in 2010, has fewer than 10 employees, and is managed by its President, Brian Fuller. The agency currently has a C rating with the Better Business Bureau. Consumer litigation records digitized at the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Perfection Collection, LLC did not yield to threats or intimidation.
Alleged Violations against Perfection Collection, LLC
According to PACER, in or around November of 2014, Perfection Collection, LLC placed a collection call to a Texas resident and left a voicemail message. The caller, who identified herself as ‘Amy’, allegedly failed to state that the call was being placed by a debt collector in order to collect an alleged debt.
Feeling harassed by Perfection Collection, LLC, 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
- Failing to identify himself as a debt collector seeking to collect a debt
The matter was later settled.
Hire an Attorney
The phone number for this debt collection agency is 1-801-921-7379. If you see it on your caller ID when the phone rings, it means that you are being called by Perfection Collection, LLC. If they do not identify themselves or the reason for the call, hire a consumer attorney, because this type of deception is illegal under the FDCPA. If you file a claim against Perfection Collection, LLC with your attorney’s assistance and win, you could receive $1,000 per FDCPA violation in addition to court costs and attorney fees.
*Case taken from PACER (www.pacer.gov). File number is Case 5:15-cv-00065 from the United States District Court for the Southern District of Texas, Laredo 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 Perfection Collection, LLC, or any other third-party collection agency, you may not be entitled to any compensation.