Are you being called by Timothy E. Baxter & Associates?* Here’s what you need to know.
Many debt collectors will go to extreme lengths to get your money. They swear, threaten you with arrest or imprisonment, and pretend that a lawsuit is pending. What they won’t ever do is let on that such treatment violates federal law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, mandates ethical behavior from third-party debt collectors and prohibits actions like the following during a debt collection attempt.
- Swearing and calling you names
- Calling at all hours of the day and night
- Talking to uninvolved parties such as your friends, family, and co-workers about the debt
- Contacting you even after you’ve ordered them to cease communications
- Calling you at your workplace when they know that your employer doesn’t permit you to take such calls
- Demanding an amount that is not supported by law or the original debt agreement
Company Profile: Timothy E. Baxter & Associates
If you are being called by Timothy E. Baxter & Associates, information about the firm is below.
Timothy E. Baxter & Associates is a debt collection firm located in Farmington Hills, Michigan. It was established in 2011, has 20 to 49 employees, and is managed by its owner, Timothy Baxter.
Records on file at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Timothy E. Baxter & Associates chose to reassert their rights in court.
Alleged Violations against Timothy E. Baxter & Associates
Carol Kaplan vs. Timothy E. Baxter & Associates*
According to PACER, in 2011 Timothy E. Baxter & Associates started contacting Michigan resident Carol Kaplan about a debt she allegedly owed to Chase Bank. On or about October 4, a collector allegedly told Ms. Kaplan that they were going to file a lawsuit against her on October 6, 2011 and get a judgment entered and put a lien on her home. When she told the collector that she was dying of cancer, that party allegedly retorted that she needed to be more responsible.
Feeling harassed by Timothy E. Baxter & Associates, Ms. Kaplan hired a consumer attorney and sued the firm for allegedly violating the FDCPA in the following ways:
- Threatening legal action the firm had no intention of taking
- Using harassing, oppressive, or abusive means to collect a debt
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire an Attorney
The phone numbers for Timothy E. Baxter & Associates are:
If you see either number on your caller ID when the phone rings, it means that you are being called by Timothy E. Baxter & Associates. If they use demeaning language and threaten lawsuits that never transpire, hire a consumer attorney. If you file a claim against Timothy E. Baxter & Associates and win your case, you could potentially receive $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. When it comes to consumer rights, even debt collection attorneys must obey the law.
*Case taken from PACER (www.pacer.gov). File number is Case 2:11-cv-14886-DPH-LJM from the United States District Court for the Eastern District of Michigan.
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 Timothy E. Baxter & Associates, or any other third-party collection agency, you may not be entitled to any compensation.