If a collection agency has you too afraid to answer your phone, something is very wrong. Collecting a debt is legal, but bullying and harassing you to the point that you dread a ringing phone is not. If you are in this situation, read more to learn about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from illegal collection practices. It applies to debts acquired for personal, family, and household purposes and penalizes debt collectors using collection practices like those below:
● Using profane and obscene language
● Showing up at your home
● Calling your co-workers, relatives and friends about the debt
● Reporting incorrect information to the credit bureaus
● Using an autodialer to call you
● Contacting you directly when they know that you have an attorney
Company Profile: Regent & Associates
If you are being called by Regent & Associates, company details are below.
Regent & Associates is a debt collection law firm in Houston, Texas. It was established in 1998, has fewer than 5 employees, and is managed by Ahn Huynh Regent. A close inspection of litigation records maintained at the PACER website confirms that consumers who felt that they were being harassed by Regent & Associates sued for compensation.
Alleged Violations against Regent & Associates*
According to information on the PACER website, in or around early 2010, Regent & Associates started calling a California consumer about the debt. She claimed that the agency threatened to garnish her wages if she did not pay.
Feeling harassed by Regent & Associates, the consumer sued the agency for:
● Using false, deceptive, and misleading means to collect a debt
● Using harassing and abusive means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they ever appear on your caller ID, it means that you are being called by Regent & Associates about a debt you allegedly owe. If they try to threaten you into paying, hire a consumer lawyer and file a claim against Regent & Associates. The firm could be ordered to pay you $1,000 plus attorney fees and court costs, so when a debt collector goes too far, a consumer lawyer can help you push them back.
*Case taken from PACER (www.pacer.gov). Case 2:10-cv-08743-VBF-MAN 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 Regent & Associates or any other third-party collection agency, you may not be entitled to any compensation.