Has a debt collector been calling you late at night and even at work after being ordered to stop? They may tell you that they have the right to keep calling until the debt is paid, but the truth is that you can order them to cease contacting you and sue them if they ignore you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed by Congress in 1978 to protect consumers from being abused into bankruptcy by third-party debt collectors. It applies to consumer instead of business debt and penalizes collection agencies that use these types of methods to collect.
- Using profane and obscene language
- Calling you outside of 8:00 a.m. to 9:00 p.m. in your time zone
- Threatening to damage your property or harm you
- Saying that they have a warrant for your arrest and only payment can stop it
- Calling you at work to embarrass you
- Refusing to validate the debt
Company Profile: PHH Mortgage Corporation
If you are being called by PHH Mortgage Corporation, below is an overview of the company’s history and operation.
PHH Mortgage Corporation is a mortgage provider and debt collection agency in Mount Laurel Township, New Jersey. It opened for business in 1977, has 35 employees, and is managed by its Senior Vice President, Dico Akseraylian.
The company has a B- rating with the Better Business Bureau. According to records at the PACER website, consumers who believed that they were being harassed by PHH Mortgage Corporation chose to pay attorneys instead of the agency.
Alleged Violations against PHH Mortgage Corporation
According to PACER, in or around early 2015, PHH Mortgage Corporation began calling an Alabama couple to collect a mortgage debt. They alleged that they were not the debtors in question, but the agency allegedly continued to call them and failed to validate the debt on request. The debt was also reported to the credit bureaus.
Feeling harassed by PHH Mortgage Corporation, the consumer obtained a lawyer and sued the agency for allegedly violating his rights by:
- Using harassing and abusive means to collect a debt
- Failing to report the debt as disputed to the credit bureaus
- Failing to validate the debt on request
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If they show up on your caller ID any time the phone rings, it means that you are being called by PHH Mortgage Corporation If they acknowledge your dispute but fail or refuse to report it to the credit agencies, fight back by hiring a consumer lawyer and filing a claim against PHH Mortgage Corporation If the judge rules in your favor, you could receive $1,000 per violation plus your attorney fees, so never assume that you have to tolerate mistreatment until you pay.
Case taken from PACER (pacer.gov). File number is Case 1:15-cv-00178-WS-M from the United States District Court for the Southern District of Alabama, Southern 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 PHH Mortgage Corporation or any other third-party collection agency, you may not be entitled to any compensation.