Is your life being made difficult by a debt collector? You’re not the only one. Literally thousands of Americans have at least one debt in collections. While a collection agency may legally contact you to make payment arrangements or discuss your situation, they may not behave in an unethical manner.
The problem is that too many of them disregard this rule.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the conduct of third-party debt collectors. These companies may only contact you at approved times and refrain from abusive conduct like the following:
- Leaving abusive messages on your voicemail
- Persisting in contacting you directly although they know you have an attorney
- Pretending to be police officers or federal agents
- Threatening you with physical harm
- Calling your friends and family for any reason other than locating you
- Failing to send you a debt validation letter
Company Profile: Sortis Financial, Inc.
If you are being called by Sortis Financial, Inc., here are some additional details about the company and its background.
Sortis Financial, Inc. is a financing company and debt collection agency located in Dallas, Texas. Formerly known as ClearSpring Loan Services, it opened for business in 2012, has 100 employees, and is managed by CEO Alan Sercy.
According to legal records at the PACER website, consumers who believed they were being harassed by Sortis Financial, Inc. acted on their rights and fought back.
Alleged Violations against Sortis Financial, Inc.
According to PACER, on or about November 21, 2017, Sortis Financial, Inc. (at the time doing business as Clear Springs Loan Services) sent a collection letter to an Arizona couple. It demanded payment for an outstanding balance on a property that had been foreclosed upon in 2005.
The Judgment in the case had expired as of January 12, 2017, making it no longer owed or collectible, but the couple continued to receive monthly demands.
Feeling harassed by Sortis Financial, Inc., they filed an FDCPA lawsuit against the agency for the following illegal collection activities:
- Misrepresenting the legal status of the debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
Their appearance on your caller ID is confirmation that you are being called by Sortis Financial, Inc. If they demand that you pay a debt satisfied in an earlier judgment, hire a consumer lawyer and file a claim against Sortis Financial, Inc.
You could be awarded $1,000 per FDCPA violation in addition to your court costs and attorney fees, so standing up for yourself can both stop the harassment and get you the compensation you deserve.
Case taken from PACER (pacer.gov). File number is Case 2:18-cv-01285-DJH from the United States District Court for the District of Arizona.
*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 Sortis Financial, Inc. or any other third-party collection agency, you may not be entitled to any compensation.