For most of us, being in debt is bad enough, but when debt collectors assail us with demeaning and aggressive phone calls every day, it can feel like you’re being stalked. Don’t let an unethical collection agency harass you into paying a debt you can’t afford. Instead, review your rights as an indebted consumer.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that requires third-party debt collectors to treat you with respect during all communications. Methods like the following are illegal and can get the agency closed down:
- Harassing you over a debt that isn’t yours
- Using an autodialer to call you
- Calling anyone except you, your spouse, or attorney about the debt
- Claiming that you can go to jail for not paying a debt
- Adding illegal service fees to the original debt
- Collecting from you during the 30-day dispute period
Company Profile: SN Servicing Corporation
If you are being called by SN Servicing Corporation, information about the company is below.
SN Servicing Corporation is a lender and debt collection company located in Eureka, California. It was established in 1993,has 70 employees, and is managed by Joni Yorks. The company is a subsidiary of Security National Master Holding Company, LLC and has a D- rating with the Better Business Bureau.
Records at the PACER (Public Access to Court Electronic Records) website reveal that consumers who believed that they were being harassed by SN Servicing Corporation educated themselves on their rights and then acted on them.
Alleged Violations against SN Servicing Corporation
According to PACER, on or around November 3, 2014, an Illinois consumer received a collection letter from SN Servicing Corporation regarding a mortgage debt. This debt had been included in a Chapter 7 bankruptcy, but the consumer received follow-up letters that appeared to threaten foreclosure and a negative credit rating.
Feeling harassed by SN Servicing Corporation, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Misrepresenting the legal status of a debt
- Contacting him directly when he was represented by an attorney regarding the debt
- Using false, deceptive, and misleading means to collect a debt
- Trying to collect an amount not permitted by law
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are:
If either number appears on your caller ID, it means that you are being called by SN Servicing Corporation. If they demand that you pay a debt discharged in an earlier bankruptcy, don’t give in and pay twice.
Hire a consumer lawyer and protect yourself by filing a claim against SN Servicing Corporation, you could be awarded $1,000 per FDCPA violation. Don’t let a collection agency bully you when you have remedies under the law.
Case taken from PACER (pacer.gov). File number is Case: 1:14-cv-10175 from the United States District Court for the Northern District of Illinois, 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 SN Servicing Corporation or any other third-party collection agency, you may not be entitled to any compensation.