Are You Being Called By SCA Collections Inc.?*

Here’s what you need to know if SCA Collections is calling you.

Are debt collectors calling you at both home and the office, and discussing your debt with your family and colleagues if they can’t reach you directly? Are they threatening to garnish your wages and send you to jail?

You don’t have to put up with such harassment: consumer abuse by third party debt collectors is actually a violation of federal law.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, limits what third-party debt collectors can say or do when contacting you. If they use methods like those below to intimidate you, they’re breaking the law and can face substantial fines and even loss of their collection agency license.

• Using profane and obscene language
• Raising their voice and making threats
• Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
• Telling your friends, coworkers, and neighbors that they’re trying to collect a debt from you
• Calling you at work after you’ve told them that your workplace doesn’t allow such calls
• Threatening legal actions they have no intention of carrying out

Company Profile: SCA Collections, Inc.

SCA Collections, Inc is a debt collection company located in Greenville, North Carolina. It was established in 1980, has approximately 10 employees, and is managed by its President, Dan Nichols.

Records viewable at the PACER (Public Access to Court Electronic Records) website indicate that several consumers who believed they were being harassed by SCA Collections, Inc fought back in court.

Alleged Violations against SCA Collections, Inc

According to PACER, in February 2015 a North Carolina resident received a collection letter from SCA Collections regarding a medical debt she had been unable to pay.

The letter, which was later submitted as an exhibit, stated in part:

This account has been placed with this office for collection and calls for payment in full. This payment in full must be received or this account may be placed on your credit file and may impair your credit standing.

If you have a valid reason for not paying in full, please contact us by telephone. Do not let your credit suffer…Mail your payment in full to our office.

The plaintiff was upset, because her right to dispute the debt did not depend on whether she had a valid reason not to pay. She was also alarmed at the reference to her credit being affected.

Feeling harassed by SCA Collections, Inc, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

• Using false, deceptive, and misleading means to settle a debt
• Overshadowing her dispute rights by implying that she needed a ‘valid reason’ to do so

The matter was later dismissed.

Hire an Attorney

The phone numbers for this collection agency are:

• 1-252-355-5500
• 1-800-334-7713

If either number appears on your caller ID when the phone rings, it means that you are being called by SCA Collections, Inc If they send you letters that overshadow your dispute rights, hire a consumer attorney.

If you file a claim against SCA Collections, Inc. and win, you could potentially be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages.

Whatever you owe, if a collection agency violates your rights it could end up having to pay you instead.

**Case taken from PACER (www.pacer.gov). File number is Case 4:16-cv-00018-BO from the United States District Court for the Eastern District of North Carolina, Eastern 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 SCA Collections, Inc., or any other third-party collection agency, you may not be entitled to any compensation.