If you are being chased by a collection agency over past-due credit card bills, student loans, and medical debt, it is important to know your rights. Even if you actually owe the money being demanded, you don’t have to put up with harassment. The collectors may try to tell you differently, but the law is in your corner.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act (FDCPA) to stop abusive collection tactics regularly being used by consumer collection agencies. Under the FDCPA, actions like those below are illegal and can result in significant sanctions.
- Using profane or obscene language
- Making threats they cannot legally follow up on
- Refusing or failing the validate the debt
- Calling you at work after you’ve already told them to stop
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Telling your friends, neighbors, and co-workers that you owe money
Company Profile: Triadvantage Credit Services, Inc.
If you are being called by Triadvantage Credit Services, Inc., a company overview is below.
Triadvantage Credit Services, Inc., which also does business as Allianceone Receivables Management, Inc., is a debt collection agency in Trevose, Pennsylvania. It was founded in 1999, has 105 employees, and is managed by its President and CEO, Timothy J. Casey. Litigation files viewable at the PACER website confirm that consumers who felt that they were being harassed by Triadvantage Credit Services, Inc. acted on their right to sue.
Alleged Violations against Triadvantage Credit Services, Inc.*
According to information on the PACER website, on or around December 8, 2003, Triadvantage Credit Services, Inc. sent a collection letter to a New York consumer. He claimed that the contents of the letter failed to properly clarify his dispute rights.
Feeling harassed by Triadvantage Credit Services, Inc., the consumer took the company to court for:
- Using false, deceptive, and misleading means to collect a debt
- Failing to clarify his dispute rights
The case was later settled.
Hire a Consumer Lawyer
The phone numbers for Triadvantage Credit Services, Inc. are:
Seeing them on your caller ID, means that Triadvantage Credit Services, Inc. is on the line. If they sent demand letters with vague details about your dispute rights, hire a consumer lawyer and file a claim against Triadvantage Credit Services, Inc. You may be awarded $1,000 per FDCPA violation. When a collection agency’s negligence affects your credit, the law can help you gain compensation.
*Case taken from PACER (pacer.gov). File number is Case 2:04-cv-00556-LDW-MLO from the United States District Court for the Eastern District of New York.
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 Triadvantage Credit Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.