Are You Being Called By Pharia, LLC?

Are debt collectors calling you every day? If so, they may be breaking the law. While they are legally permitted to contact you about an outstanding debt, they are not allowed to pursue you to the extent that it impacts your wellbeing and quality of life.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act gives you the legal standing to tell a collection agency to stop calling and sending letters. If they ignore the request, they have broken the law. It also forbids the use of methods like the following to collect a debt.

● Misrepresenting the legal status of a debt
● Threatening to communicate false credit information
● Disclosing information about your debts to third parties
● Leaving vague voice messages
● Threatening to take any action that cannot be taken legally
● Using profane and abusive language

Company Profile: Pharia, LLC

If you are being called by Pharia, LLC, more information about the company is below.

Pharia, LLC is a debt collection agency in Seattle, Washington. It was established in 2007, has 10 employees, and specializes in charged-off auto loan debt. A close review of the legal files indexed at the PACER website shows that those who believed that Pharia, LLC was harassing them mounted a rigorous demand for compensation.

Alleged Violations against Pharia, LLC

According to PACER, on or around April 6, 2009, Pharia, LLC filed a collection lawsuit against a Texas consumer to collect a credit card debt. According to the consumer, the card had gone into default in 2002, making it legally uncollectible at the time.

Feeling harassed by Pharia, LLC, he got a free consultation from a consumer lawyer and then filed a claim against the company for:

● Misrepresenting the legal status of the debt
● Trying to collect a time-barred debt

The matter was later settled.

Hire a Consumer Lawyer

The phone numbers for this debt collector are:

● 1-866-594-2599
● 1-206-438-1099

If you notice it on your caller ID at any time, Pharia, LLC may be trying to collect a debt from you. If they take you to court to collect a time-barred debt, your next step should be to hire a consumer lawyer and file a claim against Pharia, LLC. If a judge decides in your favor, you could potentially win $1,000 per FDCPA violation. When debt collectors violate your rights, consequences can result.

*Case taken from PACER (www.pacer.gov). File number is Case 4:10-cv-00224-A from the United States District Court for the Northern District of Texas, Fort Worth Division.

Additional Resources

• Did A Collection Agency Make False Statements Regarding Your Debt?
• FDCPA Attorneys By State

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 Pharia, LLC or any other third-party collection agency, you may not be entitled to any compensation.