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Is Saturn Systems, Inc. Calling You?*

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Is Saturn Systems, Inc. calling you? Here’s what you need to know.

According to the Consumer Financial Protection Bureau, debt collectors can overstep their bounds when it comes to getting the payments they have been assigned to collect. Some lie about the size of the debt while others engage in abusive practices such as phony lawsuit threats and refusal to acknowledge a dispute. If this happens to you, be prepared to act on your rights.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA grants you the right to dispute a debt and order the collector to stop calling you. It also prohibits third-party debt collectors from using aggressive methods like those below to collect or attempt to collect a debt:

  • Calling you before 8:00 a.m. and after 9:00 p.m.
  • Swearing, raising their voice, and making threats
  • Pretending to be attorneys, police officers, or federal agents
  • Leaving voice messages that do not identify the collector and the purpose of their call
  • Discussing the debt with your family (with the possible exception of your spouse), friends, and co-workers
  • Calling you at work when they know your employer doesn’t allow you to take personal calls

Company Profile: Saturn Systems, Inc.

Saturn Systems, Inc. is a collection agency located in Bailey, Colorado. It was established in 1997, has fewer than 10 employees, and is managed by its owner, Robert Stein. According to records on file at the PACER (Public Access to Court Electronic Records) website, Saturn Systems, Inc. has been accused of violating consumer rights while pursuing debt payments.

Alleged Violations against Saturn Systems, Inc.

In or around 2010 a Florida resident was contacted by Saturn Systems, Inc. about a debt he allegedly owed to Pure HNW Insurance. After requesting verification of the debt, he advised the agent that he was represented by counsel and provided his attorney’s contact information.

Despite this notification, Saturn Systems, Inc. allegedly continued to contact him directly, numerous times via phone and email. The agency also allegedly refused to provide any verification of the debt and threatened to damage his credit if it was not paid.

He hired a consumer attorney and filed a lawsuit accusing Saturn Systems, Inc. of the following FDCPA violations:

  • Contacting him about the debt when he was represented by counsel
  • Ignoring a cease communications request
  • Failing to validate the debt
  • Failing to identify itself as a debt collector in all communications
  • Using false, deceptive and misleading means to collect a debt
  • Threatening legal action it did not intend to take
  • Threatening to communicate false information to the credit bureaus

A judge later awarded the plaintiff a default judgement against Saturn Systems, Inc.

Hire an Attorney

The phone numbers for Saturn Systems, Inc. are 1-888-783-8749 and 1-303-274-2600. If the phone rings and either number shows on your caller ID, a debt collector is attempting to reach you. If they fail to validate the alleged debt, contact you even after you advise you are represented by an attorney, and threaten to ruin your credit, hire a consumer attorney. Deception and harassment during the collection of a debt is illegal, and if you sue Saturn Systems, Inc. you could potentially be awarded $1,000 per FDCPA violation as well as attorney’s fees, court costs, and any actual damages. No matter how much you owe, never hesitate to assert the rights that the law grants you.

*Case taken from PACER ( File number is1:10-cv-23043-WJZ from United States District Court for the Southern District of Florida)

*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 Saturn Systems, or any other third-party collection agency, you may not be entitled to any compensation.

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