Many debt collectors deliberately violate consumer protection laws, presuming that you are unfamiliar with your legal rights and will simply pay. If you are being harassed by an unscrupulous collection agency, below is some information that lets you know what they can and cannot do under the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, controls how collection agencies have to conduct themselves when collecting consumer debts. If you’re dealing with a debt collector that regularly subjects you to the following abuses, you can sue them.
- Misrepresenting the character, amount, or legal status of a debt
- Threatening to tell your friends, neighbors, and family members about your debt problems
- Calling before 8:00 a.m. and after 9:00 p.m
- Using profane or obscene language
- Pretending to be members of law enforcement
- Failing to identify themselves during each communication as a debt collector seeking to collect a debt
Company Profile: Select Portfolio Servicing, Inc.
If you are being called by Select Portfolio Servicing, Inc., information about the company is below.
Select Portfolio Servicing, Inc. is a debt collection company located in West Valley City, Utah, with an office in Jacksonville, Florida. It was established in 1989, has over thousands of employees across its two locations, and is managed by its President, Timothy O'Brien.
A review of litigation records at the PACER (Public Access to Court Electronic Records) website confirms that people who felt they were being harassed by Select Portfolio Servicing, Inc. decided to settle the dispute in court.
Hire an Attorney
The phone numbers for this debt collection agency are:
If you see any of these numbers on your caller ID, it means that you are being called by Select Portfolio Servicing, Inc. If they do not send you a debt validation letter as required by law, hire a consumer attorney and file a claim against Select Portfolio Servicing, Inc.
You may receive both statutory and punitive damages in addition to your legal fees, so when a collection agency infringes on your rights, don’t hesitate to take action.
*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 Select Portfolio Servicing, Inc., or any other third-party collection agency, you may not be entitled to any compensation.