Collection agencies are known for using abusive and illegal strategies to collect money from indebted consumers. Although federal law requires debt collectors to treat you with honesty and respect, many of them still harass people to get them to pay.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits abusive debt collection tactics. No matter how much you may owe, you have a right to be treated with respect, and if you’re not, you then have a right to sue the debt collector. Examples of illegal tactics include:
- Trying to collect when you refuse to pay
- Yelling and swearing at you over the phone
- Failing to send a debt validation letter within five days of first contacting you
- Demanding payment for a debt discharged in bankruptcy
- Calling anyone except you, your spouse, or attorney about the debt
- Threatening you with physical or financial harm
Company Profile: Specialized Loan Servicing
If you are being called by Specialized Loan Servicing, here is a broader overview of the agency and its background.
Specialized Loan Servicing, which also does business as the Terwin Group, is a debt collection agency in Highlands Ranch, Colorado. It was founded in 2003, has 375 employees, and is managed by Dolores Gilden. The company has a C rating with the Better Business Bureau.
Archived records at the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed that they were being harassed by Specialized Loan Servicing chose to fight back.
Alleged Violations against Specialized Loan Servicing
According to PACER, on or around February 18, 2014, Specialized Loan Servicing called an Indiana consumer to collect a debt. The call allegedly came after 9:00 p.m. at night and was followed by another call in April, this one at 9:38 p.m.
Feeling harassed by Specialized Loan Servicing, the consumer hired an attorney and sued the company for calling her after 9:00 p.m. in her time zone. The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If any of them appear on your caller ID at any time, it means that you are being called by Specialized Loan Servicing. If they call you before 8:00 a.m. or after 9:00 p.m. in your time zone, they have broken the law, so hire a consumer lawyer and file a claim against Specialized Loan Servicing.
If you win your case, you could be awarded damages of $1,000 per violation plus your legal fees, so never be too intimidated to fight back.
Case taken from PACER (pacer.gov). File number is Case 1:14-cv-01020-JMS-DML from the United States District Court for the Southern District of Indiana.
*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 Loan Servicing or any other third-party collection agency, you may not be entitled to any compensation.