Is SaVit Collection Agency calling you?* Here's what you need to know.
When you’re deep in debt, a ringing phone can arouse anxiety because it could be another collection call. If the debt collector is rude or deceptive during any or all of conversations, it can take a toll on your health and well-being over time. What you need to know is that as an indebted consumer you have rights, including the right to tell them to stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from being harassed by third-party debt collectors. It imposes strict guidelines on what collection agencies can do to collect a debt and prohibits actions like the following:
- Swearing and calling you names
- Discussing the debt with your coworkers, neighbors, and friends
- Contacting you after you have sent a cease and desist letter
- Threatening legal action that they are not in a position to take or have no intention of taking
- Threatening to have you arrested for nonpayment of the debt
- Calling you before 8:00 a.m. and after 9:00 p.m. in the your time zone
Company Profile: SaVit Collection Agency
SaVit Collection Agency is a debt collection agency located in East Brunswick, New Jersey. It was established in 1971, has 20 to 49 employees, and is managed by its President, Gil Vigneault. Records retained by the PACER (Public Access to Court Electronic Records) website reveals that the SaVit Collection Agency, which specializes in medical debt collection, has been accused of debt collection practices that violate the FDCPA.
Alleged Violations against SaVit Collection Agency
In August of 2014, SaVit Collection Agency sent a collection letter to a Pennsylvania resident regarding a medical debt he had incurred. The letter was a pre-printed form, designated by the sequence “B52862-0B5” that appears directly above the plaintiff's name in the top third of the document.
The letter was sent in a “glassine window” envelope and the sequence “B52862” was clearly visible through this window. “B52862” was an “Account #” that SaVit Collection Agency assigned to Mr. Walton, and as such constituted personal identifying information. When another letter arrived in September and the same presentation was observed, he hired a consumer attorney and filed a class action lawsuit against the company for using language or symbols, other than the debt collector’s address, on envelopes when communicating with a consumer
The matter was later dismissed.
Hire an Attorney
The phone number for SaVit Collection Agency is 1-732-257-5757. If you see it on your caller ID when the phone rings, it means that a debt collector is on the line. If they send you collection letters that display your personally identifying information on the outside of the envelope, hire a consumer attorney who can help you take legal action. You could potentially be awarded $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages, so when a debt collection agency violates your rights, seek an attorney’s help in claiming the damages you are entitled to.
**Case taken from PACER (www.pacer.gov). File number is Case 2:15-cv-02838-GJP from United States District Court for the Eastern District of Pennsylvania.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against SaVit Collection Agency or any other third-party collection agency, you may not be entitled to any compensation.