Are you being called by Premier Credit of North America, LLC?* Here's what you need to know.
No matter how financially responsible you try to be, there may come a time when one of your debts go into collection. Perhaps you lost your job, became too sick to work, or needed to pay emergency house or car repairs first. Whatever the reason, it’s important to know that when debt collectors start contacting you, there are rules they must follow.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) has strict guidelines in place regarding what third-party debt collectors can say or do when communicating with indebted consumers. Actions like those below are illegal when used to collect a debt.
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Ignoring you when you dispute the debt and tell them not to call again
- Threatening consequences they cannot legally inflict, or have no intention of carrying out
- Using profane and obscene language
- Calling you at work if they know or have reason to know what such calls are not allowed
- Discussing the debt with anyone but you, your spouse, or your attorney
Company Profile: Premier Credit of North America, LLC
If you are being called by Premier Credit of North America, LLC, information about the company is below.
Premier Credit of North America, LLC, is a collection agency located in Indianapolis, Indiana. It was established in 1999, has 100 to 249 employees, and is managed by its President, Feroze A Waheed. Litigation records viewable at the PACER (Public Access to Court Electronic Records) website confirm that people who felt they were being harassed by Premier Credit of North America, LLC dealt with it by hiring attorneys and pulling the company into court.
Alleged Violations against Premier Credit of North America, LLC
According to PACER, in May 2011, an Ohio resident started receiving regular collection calls from Premier Credit of North America, LLC, which was seeking payment for a debt owed by another person of the same name but with a different date of birth. When she insisted that she was not the right party, the calls allegedly continued, many of them to her place of employment.
Feeling harassed by Premier Credit of North America, LLC, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Calling her at work after being told to stop
- Calling her directly despite being informed that she was not the correct party
- Using harassing, oppressive, and abusive means to collect a debt
The matter was later settled.
Hire an Attorney
The phone numbers for this collection agency are:
If any of these numbers appear on your caller ID, it means that you are being called by Premier Credit of North America, LLC. If they keep calling you at your place of work about another person’s debt, hire a consumer attorney. If you file a claim against Premier Credit of North America, LLC, you could potentially receive an award of $1,000 per violation as well as attorney's fees, court costs, and any actual damages. If a debt collector tries to intimidate you, they could end up in debt to you instead.
*Case taken from PACER (www.pacer.gov). File number is Case: 1:11-cv-01781-LW from the United States District Court for the Northern District of Ohio, Eastern 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 Premier Credit of North America, LLC, or any other third-party collection agency, you may not be entitled to any compensation.