Debt collectors are well-known for using manipulative strategies to make you pay a debt. When you don’t comply, they often try to harass you into bankruptcy. These practices violate the law, so if you find yourself dealing with such a collection agency, read on.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates the American debt collection industry. It prohibits third-party collection agencies from using unethical collection practices like the following:
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing the debt with anyone but you, your spouse, your attorney, and any debt co-signers (if applicable)
- Using profane or obscene language
- Contacting you after you have formally requested that all communications cease
- Demanding that you pay a debt discharged in bankruptcy
- Refusing to provide proof that you owe a debt and they are authorized to collect it
Company Profile: Robert J. Colclough Law Office
If you are being called by Robert J. Colclough Law Office, a firm overview is below.
Robert J. Colclough Law Office, which also does business as the Law Offices Of Robert J Colclough III, is a debt collection law firm in Northridge, California. It was founded in 2005, has fewer than 5 employees, and is managed by owner Robert J. Colclough. Archived files at the PACER website reveals that consumers who believed that they were being harassed by Robert J. Colclough Law Office went to court to defend their rights.
Alleged Violations against Robert J. Colclough Law Office*
According to information on the PACER website, on or around July 6, 2012, Robert J. Colclough Law Office sent a collection letter to an Indiana consumer. It contained repeated references to “a case” and legal action. The consumer disputed the account and did not believe that the office would sue him to collect $55.78.
Feeling harassed by Robert J. Colclough Law Office, the consumer engaged a local lawyer and sued the firm for:
- Using harassing and abusive means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection law office is 1-818-906-0120. If it ever flashes on your caller ID, you are being called by someone from Robert J. Colclough Law Office. If they send letters that threaten legal action to scare you into paying, hire a consumer lawyer and file a claim against Robert J. Colclough Law Office. You could be awarded $1,000 per FDCPA violation, so let an attorney help you get the compensation you are entitled to.
*Case taken from PACER (pacer.gov). File number is Case 1:13-cv-01072-SEB-MJD from the United States District Court for the Southern District of Indiana, Indianapolis 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 Robert J. Colclough Law Office or any other third-party collection agency, you may not be entitled to any compensation.