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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Security Credit Systems*?

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Are You Being Called By Security Credit Systems*? Here’s What You Need to Know

Anyone who’s had a debt collector chasing them knows how exhausting and upsetting it can be. As far as the collector is concerned, they’re only doing their job. You, however, are dealing with the double bind of being in debt and harassed. If the collection agency assigned to your account becomes abusive, there is a federal law that gives you the power to stop them.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law prohibits debt collectors from bullying or deceiving you into paying a debt. Any company that uses ruses like those below can be fined thousands of dollars and even put out of business permanently.

  • Using profane or obscene language
  • Publicly posting details of a debt on social media and other public outlets
  • Calling you at work after you’ve told them that your employer won’t let you take such calls
  • Threatening legal actions they cannot take, such as having your property seized
  • Revealing details about the debt to anyone but you, your spouse, attorney, and co-signers.
  • Contacting you directly even after you’ve hired an attorney to represent you in the matter

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Company Profile: Security Credit Systems

If you are being called by Security Credit Systems, information about the company is below.

Security Credit Systems is a debt collection company located in Buffalo, New York. It opened for business in 1983, has 75 employees, and is managed by its President, Angelo J Travale. It presently has a C rating with the Better Business Bureau. Litigation records viewable at the PACER (Public Access to Court Electronic Records) website indicates that consumers who felt they were being harassed by Security Credit Systems sought legal recourse.

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Alleged Violations against Security Credit Systems

According to PACER**, in or around August 2014 Security Credit Systems began trying to collect a debt from a New York woman. The company allegedly called her sister for her contact information and identified itself as the University of Rochester.

When contacted her at work the following September, the woman told the collector not to call her there, but two more calls allegedly followed. The woman also alleged that she never received written correspondence regarding her rights as required by the FDCPA.

Feeling harassed by Security Credit Systems, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

The matter was later settled.

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Hire an Attorney

The phone numbers for this debt collection agency are as follows:

If you see any of them on your caller ID at any time, it means that you are being called by Security Credit Systems. If they call you at work after being informed that such calls are not allowed, contact a consumer attorney who can help you assert your rights. If you file a claim against Security Credit Systems and win, you could be awarded $1,000 per FDCPA violation plus legal costs such as court and attorney fees.. Let an attorney help you get the compensation you are entitled to.

**Case taken from PACER (pacer.gov). File number is Case 5:14-cv-01531-DNH-ATB from the United States District Court for the Northern District of New York.

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

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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