Are You Being Called By Thomas K. Bamford? Learn how to protect your rights!
If you’re being pursued by debt collectors for overdue credit card accounts, medical bills, and other obligations, it’s easy to be stressed and frightened when you don’t know your rights as a consumer.
Fortunately, those rights include the ability to tell the collector to stop contacting you and suing them when they don’t.
Your Rights Under the FDCPA
Prior to 1977, so many people were declaring bankruptcy to escape abusive debt collectors that Congress passed the Fair Debt Collection Practices Act, or FDCPA. Among other things, this federal law made it illegal for third-party debt collectors to use methods like the following to collect a consumer debt.
- Calling you before 8:00 a.m. and after 9:00 p.m. your time
- Trying to collect an amount not authorized by law or by the original creditor agreement
- Threatening you with consequences or actions they can’t legally take or have no intention of taking
- Swearing and calling you names
- Contacting you after you have sent a cease and desist letter (unless it is to advise you that legal action is commencing or collection activities have stopped)
- Threatening to have you arrested for nonpayment of the debt
Company Profile: Thomas K. Bamford
Thomas K. Bamford is a debt collection attorney located in Dallas, Texas. The office was established in 1951, has less than 10 employees, and is managed by Thomas K. Bamford.
According to records on file at the PACER (Public Access to Court Electronic Records) website, many consumers who perceived that they were being harassed by Thomas K. Bamford have sued the firm to demand compensation.
Alleged Violations against Thomas K. Bamford
Jeffrey D. Bianchi vs. Thomas K. Bamford et al**
According to PACER, in or around 2008 the law office of Thomas K. Bamford started attempting to collect an old credit card debt from Florida resident Jeffrey D. Bianchi. He had defaulted on the debt years before, at which point it was sold to CACH LLC. CACH in turn allegedly assigned it to Thomas K. Bamford for collection.
Mr. Bianchi later complained that he was called by the law office of Thomas K. Bamford on a regular basis, and not all of the voice messages identified the caller as a debt collector. One voicemail received on August 9, 2008, allegedly stated:
This message is for Jeff Bianchi or Dennis Bianchi. My name is Isaiah Rubio. I am with the Law Office of Thomas K. Bamford. If you could please return this call to this attorney's office. That number is 1-800-977-9668, extension 284.
Mr. Bianchi retained an attorney after the law office of Thomas K. Bamford filed a lawsuit against him in Broward County Court, but the discovery requests were allegedly directed toward him instead of his attorney.
Feeling harassed by Thomas K. Bamford, Mr. Bianchi sued the firm for the following alleged FDCPA violations:
- Failing to disclose the caller as a debt collector in all communications
- Contacting him directly after he had retained an attorney
Stand Up To Abuse, Hire an Attorney
The phone numbers for Thomas K. Bamford are:
If either number appears on your caller ID when the phone rings, it means that you may be being called by the law office of Thomas K. Bamford. If they leave messages that do not identify the caller as a debt collector, hire a consumer attorney.
If you choose to file a claim against Thomas K. Bamford and a judge decides in your favor, the firm could be ordered to pay you $1,000 per violation as well as attorney's fees, court costs, and any actual damages.
You have rights no matter how much money you owe, and should not hesitate to act on them.
**Case taken from PACER (www.pacer.gov). File number is Case 0:09-cv-61174-FAM from the United States District Court for the Southern District of Florida.
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 Thomas K. Bamford or any other third-party collection agency, you may not be entitled to any compensation.