No one ever expects to find themselves in the position of being unable to pay their bills, but it happens. When debt collectors begin to go too far and start harassing you, they may be violating a federal consumer protection law. Read more to understand the full scope of your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, bars all types of deceptive, unfair, and unethical debt collection practices. It was passed in 1977 to stop collection agencies from bullying people into bankruptcy, but debt collectors still abuse tactics like those below to pressure consumers into paying debts:
- Using an autodialer to send you nonstop calls
- Yelling or screaming on the phone
- Reporting false information to the credit bureaus
- Ignoring a cease and desist letter
- Talking about your debt to uninvolved third parties
- Contacting anyone who is represented by an attorney
Company Profile: Selene Finance
If you are being called by Selene Finance, a company overview is below.
Selene Finance is a mortgage loan servicing and debt collection agency located in Houston, Texas. It opened for business in 2007, has 108 employees on staff, and is managed by its President, Karen Bellezza. It has an F rating with the Better Business Bureau.
Digitized court records at the PACER website indicate that consumers who believed they were being harassed by Selene Finance aggressively protected their rights.
Alleged Violations against Selene Finance
According to PACER, on or about August 12, 2014, Selene Finance sent a demand letter to a Florida couple seeking payment for a mortgage debt that had been dealt with in a previous bankruptcy. It was followed by additional demand letters that treated the mortgage as if it were still active.
Feeling harassed by Selene Finance, the consumers filed an FDCPA lawsuit against the agency for violating their rights in the following ways:
- Trying to collect a debt that was no longer valid
- Using false, deceptive, and misleading means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
Their presence on your caller ID indicates that you are being called by Selene Finance. If they harass you over a debt that was cleared in an earlier bankruptcy, make an appointment to see a consumer lawyer.
If you file a claim against Selene Finance, you could be awarded statutory damages of $1,000 per incident in addition to your attorney fees and court costs. These gains compensate you for the harassment and send a message to debt collectors that the law must be obeyed.
Case taken from PACER (pacer.gov). File number is Case 4:15-cv-00017-RH-CAS from the United States District Court for the Northern District of Florida.
- Has a Debt Collector Used Profane Language?
- Has a Debt Collector Asked You to Pay More Than What You Owe?
*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 Selene Finance or any other third-party collection agency, you may not be entitled to any compensation.