Many consumers in the U.S. live in constant fear of being contacted by a debt collector. They’ve been so stressed and traumatized by the phone calls and letters threatening lawsuits that they give serious thought to declaring bankruptcy.
If debt collectors are chasing you like this, remember that there are laws that protect debtors from harassment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal law designed to protect consumers from illegal debt collection practices. Since 1977, it has set the standards that all third-party collection agencies must abide by, and prohibits behaviors such as:
- Yelling, swearing, and using language meant to intimidate you
- Refusing or failing to validate the debt and prove that they are authorized to collect it
- Ignoring a formal cease communications request
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing the debt with anyone except you, your attorney, and possibly your spouse
- Leaving voice messages that do not identify the collector and the purpose of their call
Company Profile: Systems and Services Technologies, Inc.
If you are being called by Systems and Services Technologies, Inc., information about the company is below.
Systems and Services Technologies, Inc., which also does business as NCO Financial Systems, is a debt collection agency located in Saint Joseph, Missouri. It opened for business in 1995, has 500 to 999 employees, and is managed by Elizabeth McDaniel.
Court records retained by the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed they were being harassed by Systems and Services Technologies, Inc. filed lawsuits to seek damage for a breach of their rights.
Alleged Violations against Systems and Services Technologies, Inc.
According to PACER, on or around February 14, 2012 a Colorado woman checked her credit report and found that Systems and Services Technologies, Inc. was reporting payments on one of her loans as over 30 days late.
Concerned because she had always made the payments on time, she contacted the credit bureaus, who investigated and responded that the agency was confirming the alleged delinquencies.
Feeling harassed by Systems and Services Technologies, Inc., the woman hired an FDCPA attorney and sued the company for allegedly violating the FDCPA by reporting inaccurate information to the credit bureaus.
The matter was later dismissed.
Speak with an FDCPA Attorney
The phone numbers for this collection agency are as follows:
If you see any of them on your caller ID at any time, it means that you are being called by Systems and Services Technologies, Inc.. If they refuse or fail to correct inaccurate information on your credit report, hire a consumer attorney.
If you file a claim against Systems and Services Technologies, Inc., you could eventually be awarded $1,000 per FDCPA violation plus costs and damages. You can preserve your credit and your dignity by fighting back.
Case taken from PACER (pacer.gov). File number is Case 1:12-cv-01473-MSK-KMT from the United States District Court for the District of Colorado.
*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 Systems and Services Technologies, Inc., or any other third-party collection agency, you may not be entitled to any compensation.