No matter how much you owe, collection agencies are supposed to treat you with dignity and respect. This isn’t the reality, however: newspaper headlines proclaim stories of consumers being driven to bankruptcy and even suicide by debt collectors.
If a company becomes too aggressive with you, see a consumer lawyer who can help you protect your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal consumer protection law that prohibits third-party debt collectors from treating you in unfair and unethical manners. If you are being subjected to any of these abuses, the law gives you the standing to fight back and seek compensation.
- Swearing and using profane language
- Calling at all hours of the day and night
- Refusal to provide you with information about the debt
- Discussing the debt with your family and friends
- Threatening to have you arrested for nonpayment of the debt
- Leaving vague messages that do not identify them as debt collectors
Company Profile: Ray Klein, Inc.
If you are being called by Ray Klein, Inc., more information about this collection agency is below.
Ray Klein, Inc., which also does business as Professional Credit Service, is a debt collection agency in Vancouver, Washington. It opened for business in 1933, has 35 employees, and is managed by its President, Joseph Hawes.
The PACER website holds records confirming that consumers who believed that they were being harassed by Ray Klein, Inc. chose to pay attorneys instead of the agency.
Alleged Violations against Ray Klein, Inc.
According to PACER, on or about February 25, 2013, Ray Klein, Inc. began calling a Colorado consumer to collect a debt. During a phone conversation that allegedly took place on that day, the consumer stated that he disputed the debt but when he checked his credit report later, the account was not noted as disputed.
Feeling harassed by Ray Klein, Inc., the consumer obtained a lawyer and sued the agency for allegedly violating his rights by:
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Failing to report the debt as disputed to the credit bureaus
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If either one appears on your caller ID, take note that you are being called by Ray Klein, Inc. If they acknowledge your dispute but fail or refuse to report it to the credit agencies, fight back by hiring a consumer lawyer and filing a claim against Ray Klein, Inc.
If the judge rules in your favor, you could receive $1,000 per violation plus your attorney fees, so never assume that you have to tolerate mistreatment until you pay.
Case taken from PACER (pacer.gov). File number is Case 1:14-cv-00220-WYD-KLM from the United States District Court for the District of Colorado.
*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 Ray Klein, Inc. or any other third-party collection agency, you may not be entitled to any compensation.