Debt collection may be a legal business, but too many collection agencies behave in ways that are far from professional. They call their targets in the middle of the night, swear at them, and threaten dire outcomes like wage garnishment and foreclosure.
If you are ever subjected to this type of dedicated bullying, learn more about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal statute that prohibits third-party collection agencies from bullying or deceiving you into paying a debt. It also gives you the legal standing to dispute a debt, request no further contract, and sue a debt collector who refuses to comply.
- Calling you names like deadbeat or loser
- Threatening to publish your name to a public debtor’s list
- Using an autodialer to send nonstop calls to your phone
- Telling your friends and relatives that you don’t pay your bills
- Saying they have a court action in progress when they don’t
- Calling you at the crack of dawn or late at night
Company Profile: Terrill Outsourcing Group
If you are being called by Terrill Outsourcing Group, additional company information is below.
Terrill Outsourcing Group, which also does business as Superlative RM, is a collection agency located in Elk Grove, California. It opened for business in 2013, has 12 employees on staff, and is managed by its President & CEO, Jerry Terrill.
An examination of digitized records at the PACER website indicates that consumers who felt they were being harassed by Terrill Outsourcing Group were quick to defend themselves.
Alleged Violations against Terrill Outsourcing Group
According to PACER, in or around mid-2015 Terrill Outsourcing Group sent a collection letter to a California consumer. When she went to the agency’s website to make a payment, she noticed that a processing fee was being charged for all payments made, although such a fee was not a legal entitlement.
Feeling harassed by Terrill Outsourcing Group, the consumer decided to act on her rights and sue the agency for the following actions:
- Using unfair and unconscionable means to collect a debt
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If a call interrupts you at any time and you see one of these numbers on your caller ID, it means that Terrill Outsourcing Group is on the line. If they try to collect a fee from you simply for making a payment, don’t pay.
Instead, hire a consumer attorney who can advise you on your rights and help you file a claim against Terrill Outsourcing Group. When a collection agency tries to make an unauthorized bonus at your expense, seek legal advice and then act on it.
Case taken from PACER (pacer.gov). File number is Case 2:15-cv-01580-MCE-DAD from the United States District Court for the Eastern District of California.
*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 Terrill Outsourcing Group or any other third-party collection agency, you may not be entitled to any compensation.