After the financial crisis of 2008, many creditors such as banks and mortgage companies were left with unpaid consumer debts. A lot of them recouped their losses as much as possible by selling those delinquent accounts to debt buyers.
These buyers continue to chase and harass consumers over old debts, ignoring the fact that their actions are illegal.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was enacted by Congress in 1977, to protect indebted consumers from being subjected to unfair, harassing, or abusive methods debt collection practices.
If you are being chased by a company that uses strategies like those below, you have grounds to sue them.
- Calling you outside of the hours of 8:00 a.m. to 9:00 p.m. in your time zone
- Discussing the debt with your coworkers, neighbors, and friends
- Threatening legal action they have no intention of taking
- Using profane and obscene language
- Using the telephone to harass you with constant calls
- Trying to collect amounts that are not authorized by law or the original agreement that created the debt
Company Profile: TCAR, Inc.
If you are being called by TCAR, Inc., information about the agency is available below.
TCAR, Inc. is a debt collection agency located in Burnt Hills, New York. It was founded as the Professional Adjustment Agency in 1959, has approximately 50 employees, and is managed by its CEO, Chris Dunleavy.
According to the company website, the company maintains 15 storage locations and has diversified into two separate divisions; TCAR Recovery & Remarketing Services, and TCAR Collection Services.
Records on file at the PACER website suggest that consumers who felt they were being harassed by TCAR, Inc. responded to litigation threats by filing lawsuits of their own.
Alleged Violations against TCAR, Inc.
According to PACER, on or around March 3, 2014 TCAR, Inc. allegedly sent a collection letter to a New York consumer demanding payment for a debt that she had settled with the original creditor the previous June.
Feeling harassed by TCAR, Inc., she hired an attorney and sued the agency for violating her rights by using unfair and unconscionable means to collect a debt. The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for TCAR, Inc. are:
If either number appears on your caller ID, it means that a debt collector from TCAR, Inc. is trying to contact you. If they demand payment for a debt that you’ve already settled, don’t pay twice. Instead, contact a consumer attorney who can help you file a claim against TCAR, Inc.
It is illegal to misrepresent the legal status of a debt, so the company could be ordered to pay you statutory damages in addition to covering your legal costs. Never let shame or embarrassment prevent you from acting on your rights.
*Case taken from PACER (pacer.gov). File number is Case 7:15-cv-00981-VB from the United States District Court for the Southern District of New York.
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 TCAR, Inc. or any other third-party collection agency, you may not be entitled to any compensation.