Dealing with a collection agency is never pleasant, as you’re being asked to pay a debt you can’t afford due to financial challenges. If the debt collector assigned to your account is rude and aggressive, the situation can be intolerable.
Before you consider bankruptcy, be aware that legally, you don’t have to tolerate this type of treatment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a consumer protection law intended to keep third-party collection agencies from harassing consumers. Illegal collection actions under this law include:
- Using foul language
- Telling you that you can be arrested for not paying your debts
- Chasing you to pay a debt that is barred by statute
- Contacting your friends, family, and co-workers and discussing the debt with them
- Leaving vague messages that do not identify them as a debt collector
- Calling you names and belittling you
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Company Profile: Pilot Receivables Management, LLC
If you are being called by Pilot Receivables Management, LLC, below is an overview of the company’s background and operation.
Pilot Receivables Management, LLC is a debt collection agency in Cincinnati, Ohio. It opened for business in 2014, has 20 employees, and is managed by its President, David Rosenberg.
Records viewable at the PACER website confirm that consumers who believed that they were being harassed by Pilot Receivables Management, LLC challenged the company to prove its claims.
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Alleged Violations against Pilot Receivables Management, LLC
According to PACER, on or around June 22, 2013, Pilot Receivables Management, LLC allegedly assigned its rights to a Florida consumer’s credit card debt to Unifund CCR Partners, which sued the consumer.
However, Pilot Receivables Management, LLC was not licensed as a debt collector in Florida and could not legally assign rights to collect a debt in the state.
Feeling harassed by Pilot Receivables Management, LLC, the consumer retained an attorney and sued the agency for these alleged violations of the FDCPA:
- Using false, deceptive, and misleading means to collect a debt
- Taking action that could not legally be taken
The matter was later dismissed.
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Hire an Attorney
The phone numbers for this debt collection agency are:
Seeing them on your caller ID means that you are being called by Pilot Receivables Management, LLC. If they take illegal collection actions against you, forcing you to spend money defending yourself, fight back by hiring a consumer lawyer and filing a claim against Pilot Receivables Management, LLC.
The company could be ordered to pay you $1,000 per FDCPA violation and cover your reasonable legal fees, so act on your rights when a debt collector tries to intimidate you.
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Additional Resources
Case taken from PACER (pacer.gov). File number is Case 8:14-cv-00096-EAK-AEP from the United States District Court for the Middle District of Florida.
*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 Pilot Receivables Management, LLC or any other third-party collection agency, you may not be entitled to any compensation.