Is Senex Services Corporation calling you? Here's what you need to know.
Being pursued by debt collectors can be upsetting, especially if they are intrusive and hostile, but it is important to know what your rights are when they call. The law puts limitations on what collection agencies may say and do when attempting to settle a debt, but many of them would prefer that you not know this.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to combat widespread abuse of indebted consumers by third-party debt collectors. Under this federal consumer protection law, a collector may not use unethical or deceptive methods like those below to convince you to pay.
- Swearing and calling you names
- Reporting false information to the credit bureaus
- Calling you at work after you tell them that you are not allowed to talk to them there
- Saying that they have court papers ready to serve on you when they don’t
- Failing or refusing to prove a debt exists and they are authorized to collect it
Company Profile: Senex Services Corporation
Senex Services Corporation is a third-party collection agency located in Indianapolis, Indiana. It was established in 1998, has 50-99 employees, and is managed by Philip Roberts, Chief Executive Officer. Litigation records at the PACER (Public Access to Court Electronic Records) website reveal that Senex Services Corporation has been sued by consumers who felt their rights were being violated during debt collection attempts.
Alleged Violations against Senex Services Corporation
According to PACER, on or about January 12, 2015, Senex Services Corporation called a Missouri resident and allegedly attempted to collect a debt once owed to St. Anthony’s Medical Center. Ms. Garner replied that she had already paid it: a lawsuit had been filed against her the year before and a Satisfaction of Judgment was filed on March 18, 2014. The Senex collector allegedly insisted that she still owed it and demanded payment.
She hired an attorney and filed a class action lawsuit against Senex Services Corporation for allegedly violating the FDCPA by trying to collect a debt owed to St. Anthony’s Medical Center when it had no legal right to do so. She also alleged the following violations:
- Attempting to collect an amount it was not authorized to collect
- Engaging in harassing, oppressive, and abusive conduct
- Using false, deceptive, or misleading representation or means in connection with the debt collection
- Collection of an amount not authorized by law or by the agreement with the original creditor
- Giving a false impression about the character, amount or legal status of the debt
- Threatening to take action that cannot legally be taken
The matter was later settled.
Hire a Creditor Harassment Attorney
The phone numbers for Senex Services Corporation are 1-888-577-7056 and 1-317-613-3000. If either of these numbers appear on your caller ID, it means that a debt collector is on the line. If they attempt to make you pay a debt you have already satisfied and threaten legal action if you refuse, hire a consumer attorney who can help you take action against the company.
Senex Services Corporation could be ordered to pay you $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. It’s an expensive reminder to debt collectors that no matter how much you may owe, there are lines they cannot cross.
*Case taken from PACER (www.pacer.gov). File number is 4:15-cv-00087-HEA from United States District Court for the Eastern District of Missouri, Eastern Division
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 Senex Services Corporation, or any other third-party collection agency, you may not be entitled to any compensation.