Debt collectors are known for taking things too far. Consumers who owe debts under $100 have been verbally abused, embarrassed at work, and called at all hours of the day and night. If you are treated in this manner, there are ways that you can bring the harassment to an end no matter how much you owe.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) applies third-party debt collectors, which are agencies hired by your creditors or other authorized parties to collect your debt. This consumer protection law prohibits them from using collection methods like those below.
- Pretending to be a law enforcement officer or government agency representative
- Communicating directly with a consumer who is known to be represented by an attorney
- Calling you at work when they know that such calls are not allowed
- Trying to make you pay a time-barred debt
- Yelling at you and asking why you don’t pay your bills
- Pretending to be attorneys or federal agents
Company Profile: Red Cedar Associates
If you are being called by Red Cedar Associates, here are some additional company details.
Red Cedar Associates is a debt collection agency in Buffalo, New York. It opened for business in 2015, has 18 employees, and is managed by its President, Titus Tallchief.
Litigation records at the PACER website confirm that consumers who believed that they were being harassed by Red Cedar Associates were active in protecting their rights.
Alleged Violations against Red Cedar Associates
According to PACER, on or about September 28, 2017, Red Cedar Associates allegedly called a California consumer and left a voice message threatening to go to his house to “deliver certified documents” for his signature.
The caller allegedly failed to identify their company and the fact that they were trying to collect a debt.
Feeling harassed by Red Cedar Associates, the consumer sued the company for allegedly:
- Using unfair and unconscionable means to collect a debt
- Threatening actions it could not legally take
- Using false, deceptive, and misleading means to collect a debt
- Failing to identify itself a debt collector in all communications
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are:
Any time you see it on your caller ID, it means hat you are being called by Red Cedar Associates. If they make threats calculated to alarm you and make you pay faster, don’t be fooled. Hire a consumer lawyer and file a claim against Red Cedar Associates.
You could be awarded $1,000 per FDCPA violation plus your attorney fees, so take action when a debt collector goes too far.
Case taken from PACER (pacer.gov). File number is Case 2:18-cv-00007-SS from the United States District Court for the Central District of California, Western 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 Red Cedar Associates or any other third-party collection agency, you may not be entitled to any compensation.