When debt collectors get you on the line, they may use any number of ruses to get you to pay the debt. Some tactics are legal, such as calling you within approved hours, but others are examples of extreme harassment. Here’s what you need to know.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protected indebted consumers by mandating that third-party debt collectors may not use methods like those below to collect debt payments from you.
- Using abusive and / or obscene language
- Claiming to be police officers or federal agents
- Leaving voice messages that do not identify the collector and the purpose of their call
- Calling you at work when they know that your employer prohibits such calls
- Calling at unreasonable and inconvenient times, such as before 8:00 a.m. or after 9:00 p.m. in your time zone
- Threatening legal actions that they have no intention of taking
Company Profile: Superior Asset Management
If you are being called by Superior Asset Management, a company overview is below.
Superior Asset Management, which also does business as Sky Asset Management Services, Inc., is a debt collection agency in Clearwater, Florida. It was founded in 1959, has 20 employees, and is managed by CEO Eddie King. Legal records at the PACER website indicate that people who believed that they were being harassed by Superior Asset Management filed counterclaims when the company went too far.
Alleged Violations against Superior Asset Management*
According to information on the PACER website, in or around early 2009, Superior Asset Management began calling a California consumer. She insisted that she was not the party they were looking for and to stop calling, but the company allegedly continued to call.
Feeling harassed by Superior Asset Management, the consumer took legal action against the company for:
- Being harassing and abusive by phone
- Using false, deceptive, and misleading means to collect a debt
The case was later settled.
Hire a Consumer Lawyer
The phone numbers for Superior Asset Management are:
Their presence on your caller ID at any time means that Superior Asset Management is on the line. If they harass you by phone over a debt that you don’t legally owe, hire a consumer lawyer and file a claim against Superior Asset Management. You could be awarded $1,000 per FDCPA violation. When you’re being harassed by a collection agency, you have options.
*Case taken from PACER (pacer.gov). File number is Case 2:09-cv-08990-JFW-RC from the United States District Court for the Central District of California, Western 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 Superior Asset Management or any other third-party collection agency, you may not be entitled to any compensation.