When you owe a lot of money to credit cards or medical service providers, collection agencies can go into overdrive trying to collect it, especially if they stand to make a good commission. They may call you daily, threaten lawsuits, or tell you that nonpayment can send you to jail. Don’t be fooled by any of it. Such actions are illegal, and you can sue any debt collector who goes this far.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates the actions of third-party debt collectors. It prohibits them from contacting you once you submit a cease communications notice and outlaws the use of collection strategies like those below.
- Using profane or obscene language
- Telling you that you can be arrested for not paying your debts
- Calling you at inconvenient times and places, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Saying that they have court papers ready to serve on you when they don’t
- Pretending to be attorneys, police officers, or federal agents
- Reporting inaccurate information to the credit bureau
Company Profile: Professional Bureau of Collections of Maryland
If you are being called by Professional Bureau of Collections of Maryland, information about the company is below.
Professional Bureau of Collections of Maryland is a debt collection agency located in Greenwood Village, Colorado. It opened for business in 2000, has less than 10 employees, and is managed by its President, Travis Justus. Records on file at the PACER (Public Access to Court Electronic Records) website indicate that some people who felt that they were being harassed by Professional Bureau of Collections of Maryland hired their own attorneys to help them resist all claims.
Alleged Violations against Professional Bureau of Collections of Maryland
According to PACER, in or around early 2010 Professional Bureau of Collections of Maryland began calling a Texas resident to collect a consumer debt. He later complained that the collector, who identified herself as Ms. Chung, failed to identify the name of the company she worked for, and the fact that she was trying to collect a debt.
Feeling harassed by Professional Bureau of Collections of Maryland, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing and abusive means to collect a debt
- Failing to identify itself as a debt collector in all communications
The matter was later settled.
Hire an FDCPA Attorney
The phone numbers for this debt collection agency are:
If you see any of them on your caller ID, it means that you are being called by Professional Bureau of Collections of Maryland. If collectors keep leaving you messages that do not identify them as required by law, hire a consumer attorney who can help you file a claim against Professional Bureau of Collections of Maryland. If your claim is successful, you may receive $1,000 per FDCPA violation plus any legal costs you incurred. Forgetting that you have rights can be a costly mistake.
*Case taken from PACER (www.pacer.gov). File number is Case 4:10-cv-02666 from the United States District Court for the Southern District of Texas, Houston 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 Professional Bureau of Collections of Maryland, or any other third-party collection agency, you may not be entitled to any compensation.