Debt collectors can drive you to distraction, and they know it. They call you constantly at home and work, threaten to expose your financial situation to friends and family, and imply that legal action is imminent because in many instances, this kind of blatant consumer abuse works.
It’s time for you to stand up for yourself. You can start by learning more about what they really can and cannot do.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, mandates ethical behavior from third-party debt collectors and prohibits actions like the following during a debt collection attempt.
- Raising their voices and making threats for actions they have no intention taking
- Threatening legal action they cannot take, such as having you arrested and seizing your assets
- Telling your friends, coworkers, and/or neighbors that they’re trying to collect a debt from you
- Swearing and calling you names
- Contacting you even after you’ve ordered them to cease communications
- Demanding an amount that is not supported by law or the original debt agreement
Company Profile: SARMA Collections, Inc.
If you are being called by SARMA Collections, Inc., information about the company is below.
SARMA Collections, Inc., which also does business as Tolteca Enterprises, Inc., is a debt collection office located in San Antonio, Texas. It was established in 1956, has approximately 50 to 99 employees, and is managed by its President, Roberto Benavides.
It is a member of the American Collectors Association (ACA) and holds a private investigator’s license.
Litigation records viewable at the PACER (Public Access to Court Electronic Records) website suggest that people who believed they were being harassed by SARMA Collections, Inc. stood up for themselves by refusing to pay.
Alleged Violations against SARMA Collections, Inc.
According to PACER, SARMA Collections, Inc. allegedly reported a debt owed by a Texas resident to Equifax as “Charge off of Collection.” She sent a dispute letter, but the agency allegedly failed to update the account and report it as disputed.
Feeling harassed by SARMA Collections, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA by:
- Reporting inaccurate information to the credit bureaus
- Misrepresenting the character, amount, or legal status of the debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection company are as follows:
If you see either one on your caller ID, be aware that you are being called by SARMA Collections, Inc. If they fail to update your credit file by reporting a debt as disputed, hire a consumer attorney who can help you prepare and file a claim against SARMA Collections, Inc.
If you win your case, you may receive $1,000 per FDCPA violation plus court costs and applicable attorney fees. A good consumer attorney will be your advocate as you fight to assert your rights.
*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 SARMA Collections, Inc., or any other third-party collection agency, you may not be entitled to any compensation.
**Case taken from PACER (www.pacer.gov). File number is Case 6:14-cv-00065-C from the United States District Court for the Northern District of Texas, San Angelo Division.