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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Planet Home Lending, LLC?*

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Few situations in life are more stressful than owing more money than you can afford to pay back. It becomes worse when debt collectors call you at all hours, demanding payment and threatening to garnish your wages or take your house. Fortunately, a federal law protects you when a debt collector goes too far.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, protects those who owe consumer debts. Any third-party collection agency that deceives or threatens you in ways like the following can be penalized and ordered to compensate you.

  • Persisting in trying to collect a disputed debt
  • Calling you outside the hours of 8:00 a.m to 9:00 p.m. in your time zone
  • Adding illegal service fees to the original debt
  • Calling your family when they have your contact information
  • Trying to collect when you refuse to pay
  • Threatening to publish your name on a debtor’s list

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Company Profile: Planet Home Lending, LLC

If you are being called by Planet Home Lending, LLC, below is an overview of the company’s background.

Planet Home Lending, LLC is a mortgage provider and debt collection agency in Meriden, Connecticut. It was founded in 2007, has 526 employees, and is managed by its President, Sandra Jarish. The company has a A+ BBB rating along with a 4.03 out of 5 average review rating.

According to this press release, Planet Home Lending, LLC was fined $3.5 million by the Consumer Financial Protection Bureau for improperly using credit reports for marketing purposes.

The PACER website holds records confirming that consumers who believed that they were being harassed by Planet Home Lending, LLC stood their ground.

Are You Being Called By Planet Home Lending, LLC?*

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Alleged Violations against Planet Home Lending, LLC

According to PACER, on or around June 5, 2015, Planet Home Lending, LLC sent a collection letter to a Wisconsin consumer, demanding payment for a mortgage debt. The consumer had filed for bankruptcy the previous September and the agency had already filed a proof of claim, so the letter appeared to violate the automatic bankruptcy stay.

Feeling harassed by Planet Home Lending, LLC, the consumer sued the agency for allegedly violating his rights by contacting him directly when he was represented by an attorney regarding the debt. The matter was later dismissed.

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Hire an Attorney

The phone numbers for this debt collection agency are:

Their presence on your caller ID is confirmation that you are being called by Planet Home Lending, LLC. If they send a collection letter to you while you are being protected by a bankruptcy automatic stay, hire a consumer lawyer and filing a claim against Planet Home Lending, LLC.

You could be awarded statutory and punitive damages and have your attorney costs covered, so don’t hesitate to fight back.

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Additional Resources

Case taken from PACER ( File number is Case: 3:16-cv-00242-jdp from the United States District Court for the Western District of Wisconsin.

*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 Planet Home Lending, LLC or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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