Financial difficulties can strike anyone at any time, putting someone so far back in their regular debt payments that their creditors turn their accounts over to a collection agency or sell them to a junk debt buyer. In either case, the collection calls begin, disrupting your life and causing you stress.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA grants certain protections and rights to people who are being pursued by debt collectors. Under the law, you may dispute a debt and request no further contact from the agency calling you. In turn, third-party debt collectors may not use ruses like the following to compel you to pay.
- Swearing, yelling, and making threats they cannot legally carry out
- Failing to identify themselves as debt collectors seeking to collect a debt
- Contacting someone at work when their employer does not allow such calls
- Failing to identify themselves as debt collectors seeking payment for a debt
- Using profane or obscene language
- Ignore a cease communications notice, which the FDCPA allows you to send
Company Profile: Plusfour, Inc.
If you are being called by Plusfour, Inc., information about the company is below.
Plusfour, Inc. is a debt collection company located in Las Vegas, Nevada. It was established in 1997, has 11-50 employees, and appears to collect consumer debt across the country. Litigation records digitized and retained by the PACER (Public Access to Court Electronic Records) website reveals that consumers who felt they were being harassed by Plusfour, Inc., stood up for themselves by hiring a consumer attorney.
Alleged Violations against Plusfour, Inc.
According to PACER, in or around mid-2011, Plusfour, Inc. started contacting a Nevada resident to collect a debt. she later complained that the agency used an autodialer to contact her and routinely left automated messages on her answering machine.
Feeling harassed by Plusfour, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using oppressive and abusive means to contact her
- Failing to identify itself as a debt collector in all communications
- Using false, deceptive, and misleading means to collect a debt
- Failing to send a debt validation notice
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see either of them on your caller ID at any time, it means that you are being called by Plusfour, Inc.. If they use an autodialer to leave ongoing and harassing messages on your answering machine, hire a consumer attorney. The FDCPA prohibits mistreating consumers in this manner, and if you file a claim against Plusfour, Inc., you could be awarded $1,000 per FDCPA violation plus court costs and reasonable attorney fees. Don’t ever let a debt collector intimidate or deceive you into paying: the law is on your side.
*Case taken from PACER (www.pacer.gov). File number is Case 2:11-cv-02119-JCM-CWH from the United States District Court for the District of Nevada.
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 Plusfour, Inc., or any other third-party collection agency, you may not be entitled to any compensation.