Is Sierra Receivables Management calling you? Here's what you need to know.
Debt collectors can be intimidating. They make their money by persuading you to pay up, so they have perfected the art of pressuring consumers. While some are firmly insistent but civil and professional, others are intrusive, hostile, and more interested in money than ethics. When you encounter one of these collectors, it is important to know that their actions are illegal and you do not have to tolerate it.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which is enforced by the Federal Trade Commission, has strict guidelines in place regarding what third-party debt collectors can say or do to indebted consumers. Actions like those below are illegal when used to collect a debt.
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Using profane and abusive language
- Ignoring you when you dispute the debt and tell them not to call again
- Claiming to be police officials or government agents
- Threatening consequences they cannot legally inflict, or have no intention of carrying out
- Demanding amounts that exceed the original debt
Company Profile: Sierra Receivables Management
Sierra Receivables Management is a collection agency located in Redding, Colorado. It was established in 1985, holds memberships in the American Collectors Association and the California Association of Collectors and is managed by its President, Carmen Saylor. Records archived at the PACER (Public Access to Court Electronic Records) website reveal that Sierra Receivables Management has been sued by consumers who accused them of FDCPA violations.
Alleged Violations against Sierra Receivables Management
Heather Hill vs. Sierra Receivables Management, Inc
In or around early 2010, California resident Heather Hill allegedly received at least one call a day for a month from Sierra Receivables Management, which had been assigned to collect a debt from her. She later complained that the collectors were rude and abusive: when she said that she could not afford to pay, one collector allegedly told her to “sell all your stuff on EBAY” to pay the debt.
On other occasions Sierra Receivables Management representatives allegedly threatened to seize and attach “all the property you own” as well as garnish her wages and sue her. When Ms. Hill tried to make a payment towards the debt, the company allegedly returned it, stating the payment to be too small to accept.
Ms. Hill finally hired a consumer attorney and sued Sierra Receivables Management for the following alleged FDCPA violations:
- Using profane and obscene language
- Using the telephone to harass her
- Threatening legal actions they had no intention of taking
- Failing to send her a debt validation notice
The matter was later settled.
Hire an Attorney
The phone numbers for Sierra Receivables Management are 1-800- 237-3205 and 1-530-224-1360. If you see either number on your caller ID, be aware that a collection agency is looking for you. The FDCPA mandates ethical behavior during the debt collection process, so if Sierra Receivables Management becomes hostile or threatening, hire a consumer attorney. If you sue, you could receive $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. When your rights are infringed upon, the law gives you the resources to push back.
*Case taken from PACER (www.pacer.gov). File number is2:10-cv-00709-GEB-KJM from United States District Court for the Eastern District of California, Sacramento 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 Sierra Receivables Management, or any other third-party collection agency, you may not be entitled to any compensation.