When you run into hard times financially, monthly bills that were once easy to maintain can become an impossible burden. Once you miss a certain number of payments, debt collectors will start coming after you for the balances.
If they do, it is important for you to know that you have rights protecting you from bullying or intimidation.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is designed to protect you from debt collector harassment. If you’re dealing with a collection agency that mistreats you in ways like the following, you can order it to stop contacting you and file a lawsuit if they don’t.
- Making threats they have no intention of following up on
- Calling you a loser or criminal for not paying a debt
- Contacting you even after you’ve ordered them to cease communications
- Using foul language
- Failing or refusing to validate the debt
- Leaving voice messages that do not identify the collector and the purpose of their call
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Company Profile: Roundpoint Mortgage Servicing
If you are being called by Roundpoint Mortgage Servicing, Learn more about the company below.
Roundpoint Mortgage Servicing is a mortgage servicing company and debt collection agency headquartered in Charlotte, North Carolina, with branch offices in Dallas, Texas, Fort Worth, Texas, and Phoenix, Arizona. Its parent organization is RoundPoint Financial Group, Inc.
The company was established in 2007, has 927 employees, and is managed by Kevin M. Brungardt. Litigation records archived at the PACER website indicate that consumers who believed that they were being harassed by Roundpoint Mortgage Servicing went to court to fight back.
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Alleged Violations against Roundpoint Mortgage Servicing
According to PACER, on or about August 8, 2013, Roundpoint Mortgage Servicing started contacting an Oregon couple to collect a mortgage debt. They insisted that the issue had been handled in an earlier foreclosure lawsuit and retained legal counsel, but the agency allegedly persisted in calling them and sending them letters directly.
Feeling harassed by Roundpoint Mortgage Servicing, the consumers decided to protect themselves by suing the company for allegedly:
- Contacting them directly when they had an attorney
- Misrepresenting the legal status of the debt
The matter was later dismissed.
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Hire an Attorney
The phone numbers for this debt collection agency are:
If you see them on your caller ID, be aware that you are being called by Roundpoint Mortgage Servicing. If they demand that you pay a debt you are no longer responsible for, fight back by hiring a consumer lawyer and filing a claim against Roundpoint Mortgage Servicing.
Any debt collector who violates the FDCPA can be ordered to pay you $1,000 per violation, so fighting back can stop the harassment and get you compensated.
Deceiving consumers is illegal and you could receive both statutory damages of $1,000 and your attorney’s fees.
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Additional Resources
Case taken from PACER (pacer.gov). File number is Case 3:13-cv-02320-BR from the United States District Court for the District of Oregon, Portland 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 Roundpoint Mortgage Servicing or any other third-party collection agency, you may not be entitled to any compensation.