Anyone who has ever had a bill or account in collections know how zealous and aggressive a debt collector can be. What people don’t always realize is that they have rights under state and federal law no matter how much they owe, and that collection agencies who violate these legal protections can be penalized heavily.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) applies firm standards of conduct upon third-party collection agencies, prohibiting them from actions like the following during an attempt to collect a consumer debt.
- Making phone calls with a frequency that is intended to harass you
- Adding charges or fees not authorized by the original agreement
- Misrepresenting the amount, nature, or origin of a debt
- Telling you that you have broken the law and can go to prison
- Threatening consequences they have no intention of carrying out
- Persisting in trying to collect a disputed debt
Company Profile: Spaulding Law Office
If you are being called by Spaulding Law Office, additional information about the office is below.
Spaulding Law Office is a debt collection law office in North Attleboro, Massachusetts. It was founded in 2005, has less than 10 employees, and is managed by owner Mandy Spaulding.
An examination of civil lawsuits maintained at the PACER website suggests that people who believed they were being harassed by Spaulding Law Office took the matter before a judge.
Alleged Violations against Spaulding Law Office
According to PACER, in or around mid-2009 Spaulding Law Office began contacting a Massachusetts consumer to collect an alleged debt. He later complained that the firm threatened to sue him and even asked him where he worked so that they could garnish his wages.
He also denied receiving a debt validation letter within five days after initial contact.
Feeling harassed by Spaulding Law Office, he hired a consumer attorney and sued the firm for allegedly violating his FDCPA rights by:
- Making threats it had no intention to following up on
- Failing to send him a debt validation notice
The matter was later resolved.
Hire a Consumer Lawyer
The phone numbers for Spaulding Law Office are:
If either number ever shows up on your caller ID, it means that Spaulding Law Office is trying to reach you. If they threaten lawsuits and wage garnishments, don’t be intimidated. Hire a consumer lawyer and file a claim against Spaulding Law Office instead.
You could win $1,000 per FDCPA plus legal costs and actual damages, so filing a lawsuit can advise an aggressive debt collector that deception and threats can cost them.
Case taken from PACER (pacer.gov). File number is Case 3:09-cv-30104-KPN from the United States District Court for the District of Massachusetts.
*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 Spaulding Law Office or any other third-party collection agency, you may not be entitled to any compensation.