You’ve been doing your best to keep up with the minimum payments on all your debts, but since you became too ill to work and had to go on disability, it’s been impossible. Now a debt collector is calling you day and night, contacting your friends and neighbors, and threatening to seize your home.
Before you start considering bankruptcy, be aware that the law provides you with resources to fight back against such harassment.
Your Rights Under the FDCPA
While debt collectors are allowed to contact you about paying a debt, the Fair Debt Collection Practices Act (FDCPA) prohibits them from using unethical actions like the following. Disregarding the law can lead to fines and even license revocation.
- Using profane and obscene language
- Trying to collect amounts that exceed the original debt
- Pretending to be police officers or federal agents
- Calling you several times a day
- Contacting you at work despite knowing that personal calls are not allowed there
- Making threats they have no intention of following up on
Company Profile: T-H Professional & Medical Collections, Ltd.
If you are being called by T-H Professional & Medical Collections, Ltd. information about the company is below.
T-H Professional & Medical Collections, Ltd. is a debt collection agency located in Peoria, Illinois. It was established in 1973, has less than 10 employees, and is managed by its President, Thomas Heald. Records archived at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by T-H Professional & Medical Collections, Ltd. chose to fight back.
Alleged Violations against T-H Professional & Medical Collections, Ltd.
Sue Schertz vs. T-H Professional & Medical Collections, Ltd. et al*
According to PACER, on or around December 9, 2013, Illinois resident Sue Schertz received a debt collection letter from T-H Professional & Medical Collections, Ltd.. She contacted the agency and paid them the amount indicated on the letter.
During this conversation, the representative allegedly notified Ms. Schertz of other debts she owed and agreed to send the information in writing.
Ms. Schertz later claimed that despite agreeing to a payment plan, she never received any correspondence about these additional debts. So around January 2014, she contacted T-H Professional & Medical Collections, Ltd. and told them not to take the payment agreed upon out of her account because she had not received any written communication regarding the additional debts.
The representative told her the information had been sent, but agreed to send it again. When the information arrived, some of the debts were allegedly 7-10 years old.
Soon afterwards, T-H Professional & Medical Collections, Ltd.called Ms. Schertz at home regarding these debts. During this conversation, she said she was on Social Security Disability and was terminally ill and could only make small payments.The collector allegedly responded that everyone is going to die sooner or later and threatened to garnish her husband’s wages if she did not pay the debt.
Feeling harassed by T-H Professional & Medical Collections, Ltd., Ms. Schertz hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Using abusive and harassing methods to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone number for this collection agency is 1-309-691-6640. If it appears on your caller ID when the phone rings, be aware that you are being called by T-H Professional & Medical Collections, Ltd.. If they make rude and derogatory comments and threaten you with legal action they are not in a position to take, hire a consumer attorney.
If you file a claim against T-H Professional & Medical Collections, Ltd. with your attorney’s help and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. If a collection agency tries to pressure you into paying, the law could eventually force them to pay you instead.
*Case taken from PACER (www.pacer.gov). File number is Case 1:14-cv-01233-JBM-JEH from the United States District Court for the Central District of Illinois, Peoria 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 T-H Professional & Medical Collections, Ltd., or any other third-party collection agency, you may not be entitled to any compensation.