Are you dealing with a debt collector who won’t leave you alone? Do they call you day and night and embarrass you at work? Before you contemplate filing bankruptcy to stop the unwanted contact, learn more about how the law protects you as an indebted consumer.
Your Rights Under the FDCPA
All consumers are protected by the federal Fair Debt Collection Practices Act (FDCPA). Any third-party debt collector that ignores your debt dispute, keeps calling you after being asked to stop, or uses any of these actions to make you pay can be fined and even closed down.
- Swearing and using profane language
- Calling at all hours of the day and night
- Refusal to provide you with information about the debt
- Ignoring a formal cease communications request
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing the debt with your family, friends, and co-workers
Company Profile: PYOD, LLC
If you are being called by PYOD, LLC, you can learn more about the company below.
PYOD, LLC is a debt buyer located in Greenville, South Carolina.
It was founded in 2007, employs 25 people, and is managed by Bryan K. Faliero. It outsources purchased debts to Resurgent Capital Services for collection. An inspection of civil litigation records at the PACER website suggests that consumers who believed they were being harassed by PYOD, LLC filed lawsuits to hold the company accountable.
Alleged Violations against PYOD, LLC
According to PACER, on or around January 3, 2018, PYOD, LLC allegedly sent a collection letter to a Texas consumer through an agent. It stated, in part:
The law limits how long you can be sued on a debt. Because of the age of your debt, PYOD LLC will not sue you for it and PYOD LLC will not report it to any credit reporting agency.
Notwithstanding the fact that the debt was time-barred, PYOD, LLC requested payment for it and even offered payment arrangements.
Feeling harassed by PYOD, LLC, the consumer hired a consumer attorney and sued the company for the following alleged FDCPA violations:
- Using false, deceptive, and misleading means to collect a debt
- Misrepresenting the legal status of the debt
- Threatening legal action not intended to be taken
The matter was later dismissed.
Hire a Consumer Lawyer
The phone number for this collection agency is 1-888-665-0374. If you see it on your caller ID, you’re being called by PYOD, LLC. If they try to make you pay a debt barred by statute, don’t be intimidated. Hire a consumer lawyer and file a claim against PYOD, LLC for violating your rights. If you win, you could receive $1000 per FDCPA violation plus your legal costs, so stand firm and make the company pay you instead.
*Case taken from PACER (www.pacer.gov). File number is Case 3:18-cv-00963-D from the United States District Court for the Northern District of Texas, Dallas Division.
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The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against PYOD, LLC, or any other third-party collection agency, you may not be entitled to any compensation.