Are you being called by The Traf Group, Inc.?* Here's what you need to know.
Abusive debt collectors are becoming more and more bold. They tend to earn a commission for each debt they collect, so they freely employ pressure tactics and even chase people for debts that are too old or were discharged in bankruptcy. None of these tactics are legal.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates the activities of third-party collection agencies. It has specifies when and how debt collectors may contact you, and has made tactics like those below punishable by law.
- Using profane and obscene language
- Reporting false information to the credit bureaus
- Telling your friends, neighbors, and co-workers that you owe money
- Failing or refusing to identify themselves as debt collectors
- Calling you at inconvenient times and places
- Demanding amounts that exceed the amount of the original debt
Company Profile: The Traf Group, Inc.
If you are being called by The Traf Group, Inc., information about the company is below.
The Traf Group, Inc., which also does business as Credit America, is a debt collection agency located in Hamilton Township, New Jersey. It was founded in 1985, has approximately 20 to 49 employees, and is managed by Mike Farrell. Litigation records viewable at the PACER (Public Access to Court Electronic Records) website indicate that people who felt that they were being harassed by The Traf Group, Inc. decided to stand up to what they perceived as abusive collection tactics.
Alleged Violations against The Traf Group, Inc.*
According to PACER, on or around October 22, 2014, The Traf Group, Inc. sent a collection letter to an Illinois man for a debt that had been included in a September 3, 2014 bankruptcy filing.
Feeling harassed by The Traf Group, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using unfair and unconscionable means to collect a debt
- Misrepresenting the character, amount, or legal status of a debt
- Contacting him directly when he was represented by an attorney
A judge ordered The Traf Group, Inc. to pay him $4290.00 in statutory damages, legal fees, and reasonable costs.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If these numbers ever appear on your caller ID, a debt collector is on the line. If you are ever called by The Traf Group, Inc. and they demand payment for a debt included in a bankruptcy filing, call a consumer attorney immediately. If you file a successful claim against The Traf Group, Inc., you may be awarded $1,000 per FDCPA violation plus attorney fees and court costs. When debt collectors go too far, the law gives you the resources you need to act on your rights.
*Case taken from PACER (www.pacer.gov). File number is Case: 1:15-cv-00130 from the United States District Court for the Northern District of Illinois, Eastern Division.
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 The Traf Group, Inc., or any other third-party collection agency, you may not be entitled to any compensation.