Are You Being Called By Specialized Collection Systems, Inc.*? Here's What You Need to Know
Sometimes it seems as if your phone won’t stop ringing. Debt collectors are harassing you day and night- at home and on the job, leaving messages demanding payment in no uncertain terms. Knowing how to deal with a collection agency when they behave in this manner can prevent you from making decisions you could regret later.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) helps protect consumers from harassing means used by third-party debt collectors. It regulates the conduct of these collection agencies and will fine or shut down a company that uses tactics like those below.
- Calling at all hours of the day and night
- Discussing the debt with uninvolved third parties like your friends, family and neighbors
- Contacting you after you have sent a cease and desist letter
- Using profane or obscene language
- Making threats that they are unable to legally follow up on, such as getting you arrested
- Calling you in the morning before 8:00 a.m. and evening after 9:00 p.m. in your time zone
Company Profile: Specialized Collection Systems, Inc.
If you are being called by Specialized Collection Systems, Inc., information about the company is below.
Specialized Collection Systems, Inc. is a debt collection company located in Houston, Texas. The company was established in 1990, has 20 to 49 employees, and is managed by Ann Canabespe. It presently has an F rating with the Better Business Bureau. According to litigation records retained by the PACER (Public Access to Court Electronic Records) website, those who felt they were being harassed by Specialized Collection Systems, Inc. investigated their options and decided to sue.
Alleged Violations against Specialized Collection Systems, Inc.
According to PACER**, in or around early 2014 Specialized Collection Systems, Inc. sent a collection letter to a New York resident. It allegedly failed to state in the validation notice that the debt collector will assume the debt to be valid if the consumer did not dispute it within 30 days. A follow-up letter threatened to report the account to the credit bureaus if it was not paid as demanded.
Feeling harassed by Specialized Collection Systems, Inc., the plaintiff hired a consumer attorney and sued the company for violating the FDCPA in the following alleged ways:
- Using false, deceptive, and misleading means to collect a debt
- Threatening actions that it did not intend to take
The matter was later settled.
Hire an Attorney
The phone number for this debt collection agency is 1-281-933-1355. If it appears on your caller ID, it means that you are being called by Specialized Collection Systems, Inc. If they send you letters that do not clearly state your rights and even make threats to damage your credit, contact a consumer attorney who can help you file a claim against Specialized Collection Systems, Inc. If the outcome is in your favor, you may win $1,000 for each FDCPA violation plus legal expenses. Never let a debt collector intimidate you into forgetting that you have rights.
**Case taken from PACER (pacer.gov). File number is Case 2:14-cv-03273-JS-AKT from the United States District Court for the Eastern District of New York.
*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 Specialized Collection Systems, Inc. or any other third-party collection agency, you may not be entitled to any compensation.