If you lose your job or your spouse files for divorce and initiates a costly legal battle, you may find it difficult to keep up your monthly debt payments and default on one of even all of the,. If this happens, you may soon hear from collection agencies that have an unfortunate ability to make a bad situation worse.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA, which set guidelines for third-party collection agency conduct and prohibited them from using harassing or deceptive tactics to collect a consumer debt.
- Calling you at inconvenient times and places
- Trying to collect after you have formally disputed a debt
- Failing to identify themselves as debt collectors seeking to collect a debt
- Telling your friends, neighbors, and co-workers that you owe a debt
- Using profane or obscene language
- Reporting false information to the credit bureaus
Company Profile: Shekinah, Inc.
If you are being called by Shekinah, Inc., here is some more information about the company.
Shekinah, Inc., which also does business as Coastal Mitigation Associates is a debt collection agency in Huntington Beach, California. It was founded in 2000, has 50 employees, and is managed by its President, Cecilia Trent. Litigation records at the PACER website confirm that people who believed that they were being harassed by Shekinah, Inc. reacted by going to court.
Alleged Violations against Shekinah, Inc.*
According to information on the PACER website, in or around April 2007, Shekinah, Inc. began contacting a Pennsylvania consumer about a debt owed by her late husband. She claimed that collectors harassed her by phone and even told her that if she didn’t pay, she would be sued.
Feeling harassed by Shekinah, Inc., the consumer sued the company for:
- Using unfair and unconscionable means to collect a debt
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt.
The case was later settled.
Hire a Consumer Lawyer
The phone number for Shekinah, Inc. is 1-714-475-5460. Any time it appears on your caller ID, it is confirmation that you are being called by Shekinah, Inc. If they abuse and belittle you for not paying a deceased relative’s debt, hire a consumer lawyer and file a claim against Shekinah, Inc. You may be awarded $1,000 per FDCPA violation plus associated legal fees. They may want your money but violating a bankruptcy stay can literally cost them.
*Case taken from PACER (pacer.gov). File number is Case 2:08-cv-02851-LDD from the United States District Court for the Eastern District of Pennsylvania.
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 Shekinah, Inc. or any other third-party collection agency, you may not be entitled to any compensation.