When you’re in debt, life can be unbearable. Not only are you stressed and embarrassed about all the mounting credit card debt and missed student loan payments, you may also be harassed by debt collectors. A lot of people are so humiliated by their situation that they don’t fight back when abused. Don’t be one of them.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits debt collectors from engaging in harassing and oppressive debt collection practices. When a consumer has been subjected to abusive tactics like those below, he or she can sue the debt collector in court.
- Calling before 8:00 a.m. and after 9:00 p.m. in the consumer’s time zone
- Talking to anyone except the consumer, their spouse, or their attorney about the debt
- Failing or refusing to identify themselves as debt collectors in every communication
- Using profane or obscene language
- Calling you at work when your employer does not allow such calls
- Failing to report to the credit bureaus that a debt is in dispute
Company Profile: Torres Credit Services, Inc.
Torres Credit Services, Inc. is a collection agency located in Carlisle, Pennsylvania. It originally opened for business in 2003, has less than 10 employees, and is managed by its President, David J. Bucher.
Records on file at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Torres Credit Services, Inc. chose to fight back instead of pay.
Alleged Violations against Torres Credit Services, Inc.
Samantha Case vs. Torres Credit Services, Inc.
According to PACER, on or about July 9, 2012, Torres Credit Services, Inc. sent a collection letter to a Pennsylvania woman. She later complained that the window envelope left part of her account number with the company visible.
Feeling harassed by Torres Credit Services, Inc., she hired a consumer attorney and sued the agency for allegedly violating the FDCPA in the following ways:
- Using unfair and unconscionable means to collect a debt
- Sending a collection letter in a manner that left her private information visible
The matter was later dismissed.
Hire an FDCPA Attorney
The phone numbers for Torres Credit Services, Inc. are as follows:
If you ever see any of them on your caller ID, it means that you are being called by Torres Credit Services, Inc.. If they call and send letters in a manner that makes third parties aware that you are in collections, you can hire a consumer attorney and file a claim against Torres Credit Services, Inc.
If you win, you could be awarded $1,000 per FDCPA violation. You may owe debt but if it is not collected in accordance with the law, the collector could be the one who owes you money.
Case taken from PACER (pacer.gov). File number is Case 5:13-cv-02064-LS from the United States District Court for the Eastern District of Pennsylvania.
*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 Torres Credit Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.