Indebted consumers are often subjected to abuse by third-party debt collectors. Yelling, calling you at work, and threatening lawsuits are all examples of bullying tactics used to stress you into paying the debt, hoping you will never realize that the law protects you from such mistreatment.
Your Rights Under the FDCPA
Legally, third-party debt collectors are not allowed to threaten you into paying a debt. The Fair Debt Collection Practices Act, or FDCPA, is a federal law that heavily penalizes companies whose collection tactics include:
- Threatening legal actions they have no intention of carrying out
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Demanding high amounts inflated by service ‘fees’
- Using profanity and calling you names
- Contacting you after you have sent a cease and desist letter
- Failing or refusing to report a debt as disputed to the credit bureaus
Company Profile: Stuart-Lippmann & Associates, Inc.
If you are being called by Stuart-Lippmann & Associates, Inc., an overview of the company background is below.
Stuart-Lippmann & Associates, Inc. is a debt collection agency located in Tucson, Arizona. Formerly known as Bonded Collections of Tucson, Inc., it opened for business in 1982, has 179 employees, and is managed by its President, Jerome Lippman.
Legal holdings at the PACER website indicate that consumers who believed they were being harassed by Stuart-Lippmann & Associates, Inc. went to court to challenge its demands.
Alleged Violations against Stuart-Lippmann & Associates, Inc.
According to PACER, in April 2014 Stuart-Lippmann & Associates, Inc. contacted an Indiana consumer to collect a debt allegedly owed to U-Haul. He promptly disputed it, but a collector allegedly told him that if he did not pay, a lawsuit would be filed against him.
The company also did not report the debt to the credit bureaus as disputed.
Feeling harassed by Stuart-Lippmann & Associates, Inc., the consumer obtained legal counsel and sued the company for allegedly:
- Misrepresenting the amount of the debt
- Failing to report his dispute to the credit bureaus
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Threatening to take action that cannot legally be taken
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
Seeing them on your caller ID means that you are being called by Stuart-Lippmann & Associates, Inc. If you dispute a debt and they fail to report the fact to the credit bureaus, they have broken the law.
Consult a consumer lawyer and seek help in filing a complaint against Stuart-Lippmann & Associates, Inc. You could receive $1,000 per FDCPA violation to compensate you for the harassment, so don’t hesitate to take action.
Case taken from PACER (pacer.gov). File number is Case 1:15-cv-00047-JD-SLC from the United States District Court for the Northern District of Indiana, Fort Wayne 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 Stuart-Lippmann & Associates, Inc. or any other third-party collection agency, you may not be entitled to any compensation.