Are you being called by Security Credit Services?* Here's what you need to know.
When collection agencies are calling every day and demanding payment, it can be so stressful that you might consider bankruptcy. Before making an appointment with a trustee, however, see an attorney first, as consumer harassment is illegal and you have recourse to fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA prohibits abusive debt collection practices. It regulates what debt collectors may say or do while communicating with consumers and prohibits practices like those below.
- Using profane and obscene language
- Threatening legal action they are not eligible to take or have no intention of taking
- Demanding an amount that’s not supported by law or the original creditor agreement
- Raising their voice and making threats they have no intention of following up on
- Discussing the debt with anyone except you, your spouse, attorney and any co-signers
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
Company Profile: Security Credit Services
If you are being called by Security Credit Services, information about the company is below.
Security Credit Services is a debt collection company located in Oxford, Mississippi. It was founded in 2003, has less than 10 employees, and is managed by its CEO, William A. Alias, Jr.. Litigation records archived at the PACER (Public Access to Court Electronic Records) website confirm that consumers who felt they were being harassed by Security Credit Services have sued the agency to seek compensation.
Alleged Violations against Security Credit Services
According to PACER, in 2010 Security Credit Services started contacting a Nevada resident who was out of work due to illness. He sent a letter indicating his refusal to pay, but the collection calls allegedly persisted.
Feeling harassed by Security Credit Services, the plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to cease communications after he refused to pay
- Using unfair or unconscionable means to collect a debt
- Using harassing and oppressive means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone number for Security Credit Services is 1-866-699-7889. If you see this number on your caller ID, be aware that you are being called by Security Credit Services. If they ignore a request to stop contacting you, hire a consumer attorney. If you file a claim against Security Credit Services and win, you could potentially receive $1,000 per violation as well as attorney's fees, court costs, and any actual damages. When debt collectors use hostile collection practices, the law can help you protect your rights.
*Case taken from PACER (www.pacer.gov). File number is Case 2:10-cv-01815-PMP-LRL from the United States District Court for the District of Nevada.
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 Security Credit Services, or any other third-party collection agency, you may not be entitled to any compensation.