In these difficult times, even the most financially responsible person can run into problems staying current with their debts. When this happens, a collection agency may be hired to collect any arrears. While collecting debt is legal, no company can bully, harass, or manipulate you into paying.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to protect consumers against unfair collection practices. It applies to debts acquired for personal, family, and household purposes and penalizes third-party collection agencies that use unethical practices like those below:
- Harassing you after you refuse to pay the debt
- Calling you rude and abusive names
- Threatening to garnish your wages when they have not even filed a court action against you
- Refusing to validate the debt on request
- Using an autodialer to harass you
- Ignoring you when you dispute a debt
Company Profile: St. John Cobb, Inc.
If you are being called by St. John Cobb, Inc., here is more information about the company and its background.
St. John Cobb, Inc. is a debt collection agency in Davidson, North Carolina. It was founded in 2007, has eight employees, and is managed by owner William Cobb.
Litigation records archived at the PACER (Public Access to Court Electronic Records) website suggest that consumers who believed that they were being harassed by St. John Cobb, Inc. refused to back down.
Alleged Violations against St. John Cobb, Inc.
According to PACER, on or around February 9, 2011, St. John Cobb, Inc. sent a collection letter to a Georgia consumer. It stated, in part, that if she wanted to dispute the debt, she had to contact the office in writing within 30 days after receiving the notice, or else the debt would be assumed to be valid.
Feeling harassed by St. John Cobb, Inc., the consumer hired an attorney and sued the agency for allegedly violating her rights by:
- Sending her a written communication which failed to comply with the strict notice of requirements of that statute.
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-704-896-0046. Seeing it on your caller ID is confirmation that St. John Cobb is trying to contact you. If they send collection letters that fail to clarify your dispute rights, hire a consumer lawyer and file a claim against St. John Cobb, Inc.
If you win, you could receive $1,000 per FDCPA violation, so never let a debt collector mistreat you without acting on your right to sue.
Case taken from PACER (pacer.gov). File number is Case 1:11-cv-00487-RLV from the United States District Court for the Northern District of Georgia, Atlanta Division.
*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 St. John Cobb, Inc. or any other third-party collection agency, you may not be entitled to any compensation.