Are you being called by Ross, Stuart & Dawson, Inc.?* Here's what you need to know.
Bills can consume a good portion of our monthly income even when we’re working full-time. If we get laid off or become disabled, even the minimum payments can become impossible. When that happens, debt collectors start calling us, threatening lawsuits, wage garnishments, and other dire outcomes if we don’t pay. If you find yourself harassed in this manner, let your next call be to a consumer attorney.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act (FDCPA) to curb and prevent abusive behavior on the part of third-party collection agencies. Under the FDCPA, actions like those below cannot be used to collect a consumer debt, and any company that does so risks significant sanctions.
- Raising their voice and making threats they have no intention of following up on
- Threatening to damage your reputation and credit rating
- Discussing the debt with anyone except you, your spouse, or your attorney
- Calling several times per day
- Cursing at you and calling you names
- Demanding amounts that are not supported by law or the agreement that created the debt.
Company Profile: Ross, Stuart & Dawson, Inc.
If you are being called by Ross, Stuart & Dawson, Inc., information about the company is below.
Ross, Stuart & Dawson, Inc. is a debt collection company located in Auburn Hills, Michigan. It was established in 1975, has less than 10 employees, and is managed by its President, Lee VandenHeuvel. Court records digitized and retained by the PACER (Public Access to Court Electronic Records) website indicate that consumers who felt they were being harassed by Ross, Stuart & Dawson, Inc. hired attorneys to assist them in fighting back.
Alleged Violations against Ross, Stuart & Dawson, Inc.
According to PACER, on or around March 2, 2016, a Michigan resident received a collection letter from Ross, Stuart & Dawson, Inc.. regarding an accommodation-related debt. Although the agency’s name was on the letter, the creditor, Edward Rose & Sons, appeared to be performing all of the collection activity, as recipient is directed to make payment directly to them and address any questions to them. There was no direct contact information for Ross, Stuart & Dawson, Inc.
The consumer visited the agency’s website and discovered that Ross, Stuart & Dawson, Inc. offered a "pre-collect" service that included writing letters to debtors on behalf of the agency, giving the impression that a debt collector was involved with the account.
Feeling harassed by Ross, Stuart & Dawson, Inc., he hired a consumer attorney and filed a class action lawsuit against the company for allegedly violating the FDCPA by using false, deceptive, and misleading means to collect a debt.
The matter was later settled.
Hire an Attorney
The phone numbers for this collection agency are:
If either one appears on your caller ID, it means that you are being called by Ross, Stuart & Dawson, Inc. If they send you collection letters that mislead you or misrepresent their involvement in your case, hire a consumer attorney. If you file a claim against Ross, Stuart & Dawson, Inc. and the outcome is in your favor, you could receive $1,000 per FDCPA violation plus costs and damages. Fighting back in this instance can literally pay off.
*Case taken from PACER (www.pacer.gov). File number is 4:16-cv-10917-LVP-RSW from the United States District Court for the Eastern District of Michigan, Southern 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 Ross, Stuart & Dawson, Inc., or any other third-party collection agency, you may not be entitled to any compensation.