More complaints are made to the Federal Trade Commission about debt collectors than any other professional. This isn’t simply because of disgruntled debtors: too many collection agencies use hostile strategies to get people to pay.
If you find yourself dealing with an over-zealous collection agency, learn more about your options below.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates how third-party debt collectors may interact with consumers. If you’re being subjected to the following types of harassment, the collection agency in question has broken the law and you can take legal measures to obtain compensation.
- Swearing and calling you names
- Calling at all hours of the day and night
- Talking to uninvolved parties such as your friends, family, and co-workers about the debt
- Contacting you at work after being informed that your employer does not permit such calls
- Threatening legal action they have no intention of carrying out
- Claiming to be police officials or government agents
Company Profile: PurCo Fleet Services, Inc.
If you are being called by PurCo Fleet Services, Inc., here are some additional details about the company.
PurCo Fleet Services, Inc. is a debt collection agency located in Spanish Fork, Utah. It was founded in 1993, has 27 employees, and is managed by its President, David Purinton. The company has a B- rating at the Better Business Bureau due to 63 complaints being made against it.
The corporate website indicates that the company is devoted exclusively to loss prevention for vehicle rental companies. According to files accessible at the PACER website, consumers who believed they were being harassed by PurCo Fleet Services, Inc. sued the company to seek justice.
Alleged Violations against PurCo Fleet Services, Inc.,
According to PACER, on or about June 22, 2007, a California consumer received a collection letter from PurCo Fleet Services, Inc. He alleged that this written communication was not followed within five days by a debt validation letter as required by law.
The letter also included a charge of $111.42 for “loss of use” although such an extra fee did not appear to be supported by law.
Feeling harassed by PurCo Fleet Services, Inc., the consumer filed a class action lawsuit against the collection agency:
- Failing to send a debt validation letter
- Using unfair and unconscionable means to collect a debt
- Trying to collect an amount not supported by law
The matter was later dismissed.
Hire a Consumer Lawyer
The phone number for this collection agency is 1-801-798-2400. If the phone rings and you see it on your caller ID it means that PurCo Fleet Services, Inc. is on the line. If their demand letters include legally invalid fees, hire a consumer lawyer and file a claim against PurCo Fleet Services, Inc.
You could receive $1,000 per violation of the FDCPA plus court costs and attorney fees, so being proactive with an unethical debt collection can be the right thing to do.
Case taken from PACER (pacer.gov). File number is Case 3:08-cv-00362-DMS-POR from the United States District Court for the Southern District of California.
*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 PurCo Fleet Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.