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By Contributing Author: Sergei Lemberg Updated on

Is Seas & Associates Calling You?*

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Is Seas & Associates Calling You? Learn how to protect yourself!

No one wants to hear from a collection agency, especially when you’re in financial straits and can’t afford to pay what they’re demanding. When you decline to pay, many of them can be abrupt, rude, and relentless. You may be surprised to know, however, that by treating you this way, they are actually breaking the law.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA), which was enacted by Congress in 1977, protects you as an indebted consumer from unfair and abusive collection practices like those below:

  • Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
  • Using profane and abusive language
  • Refusing or failing the validate the debt
  • Threatening to have you arrested if you don’t pay immediately
  • Calling you at work after you indicate that your employer does not allow personal calls
  • Talking to your friends and neighbors about the debt

Company Profile: Seas & Associates

Seas & Associates is a debt collection agency located in Sherwood, Arkansas. It was established in 2013, has approximately 27 employees, and is managed by Chad Wilkerson. It has been the subject of 16 complaints to the BBB in the last three years.

Records on file at the PACER (Public Access to Court Electronic Records) website indicate that Seas & Associates has been accused of violating the FDCPA while dealing with certain consumers.

Stop Seas and Associates Calling Debt Harrasment Lawyer

Alleged Violations against Seas & Associates

According to PACER, beginning on or around May 20, 2015, and continuing through November 2015, Seas & Associates allegedly called a Pennsylvania resident on her cell phone on a frequent and harassing basis in its attempts to collect a debt.

When making these calls, the company allegedly used an automatic telephone dialing system and/or artificial or pre-recorded messages.

Other times, she would receive a call from one of the agency’s representatives. She would dispute the alleged debt, tell the company to stop calling her on her cell phone, and request that validation of the debt be sent through the mail.

The calls allegedly continued, and on one occasion, in or around August 2015, Seas & Associates allegedly threatened to take legal action against her.

She finally hired a consumer attorney and sued Seas & Associates for the following alleged FDCPA violations:

  • Communicating with him her at a time and place known to be inconvenient
  • Using oppressive and harassing means to collect a debt
  • Causing her telephone to ring constantly and engaging her in annoying conversations
  • Using unfair and unconscionable means to collect a debt
  • Failing to provide a debt validation notice
  • Using false, deceptive and misleading means to collect a debt

The matter was later dismissed.

Hire an Attorney

The phone numbers for Seas & Associates are:

If either of these numbers appear on your caller ID when the phone rings, be aware that a debt collector is trying to contact you about a debt it has been assigned to collect.

If they contact you using an automatic dialler and persist even when you tell them to stop, hire an attorney. The FDCPA requires collection agencies to cease communications upon request, and doing otherwise could leave them liable to compensate you $1,000 per FDCPA violation as well as attorney’s fees, court costs, and any actual damages.

It’s a situation where standing up for yourself could literally pay off.

*Case taken from PACER (www.pacer.gov). File number is 2:16-cv-00271-PD 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 constructed as legal advice. If you file a claim against Seas & Associates, or any other third-party collection agency, you may not be entitled to any compensation.

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