Contacted By Specified Credit Association?*

Is Specified Credit Association, Inc calling you? Protect your rights!*

Collection agencies are notorious for being heavy-handed: the U.S. Consumer Financial Protection Bureau reported in 2014 that it had received more than 200,000 consumer complaints against debt collectors the previous year.

If you are being hounded to settle a debt, be aware that persistence is not illegal, but abusive behavior is, and you don’t have to tolerate it.

Your Rights Under the FDCPA

In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA, in response to unprecedented complaint volumes against third-party debt collectors.

In addition to giving consumers the right to dispute a debt, demand its validation, and tell the collector to cease contact, the FDCPA prohibits behaviors like the following:

• Calling you at times and places they know to be inconvenient
• Threatening to call your payroll department and tell them you owe a debt
• Swearing, raising their voice, and making threats
• Pretending to be attorneys, police officers, or federal agents
• Leaving voice messages that do not identify the collector and the purpose of their call
• Refusing to provide proof that a debt even exists and that they are authorized to collect it

Company Profile: Specified Credit Association, Inc

Specified Credit Association, Inc is a collection agency located in St. Louis, Missouri. It was established in 1998, has 10-19 employees, and is managed by owner Toni Ramseyer.

A review of litigation records at the PACER (Public Access to Court Electronic Records) website turns up instances of Specified Credit Association, Inc being sued for alleged FDCPA violations during various debt collection attempts.

Alleged Violations by Specified Credit Association, Inc

In or around early 2015, a Connecticut resident started receiving calls from Specified Credit Association, Inc about a debt she allegedly owed as a result of a physical fitness membership.

She hired an attorney and filed a lawsuit accusing Specified Credit Association, Inc of violating the FDCPA.

The judgement was later entered in favor of the plaintiff.

Hire an Attorney

The phone numbers for Specified Credit Association, Inc are 1-800-290-0978 and 314-209-1566. Should either number appear on your caller ID, it means that a debt collector is calling. If you find out that the company is not licensed to collect in your state, hire a consumer attorney who can help you assert your rights in court. You could potentially be compensated for their harrasment, your attorney’s fees, and a thousand dollars per FDCPA violation. When debt collectors cross the line, the FDCPA gives consumers the right to push them back.

*Case taken from PACER (www.pacer.gov). File number is 3:15-cv-00545-VAB from United States District Court, District of Connecticut

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 Specified Credit Association, or any other third-party collection agency, you may not be entitled to any compensation.