When debt collectors are after you every day, it can be highly stressful. It’s even worse when the company handling your account is belittling and abusive when you can't afford to pay. Before thinking about bankruptcy, contact a consumer attorney, because collectors who treat you this way are breaking the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was established in 1977 to combat collection agencies that were harassing consumers into bankruptcy. This consumer protection law makes it illegal for debt collectors to use methods like the following to collect a debt.
- Using obscene or profane language
- Trying to collect after you have formally disputed a debt
- Harassing you by telephone (e.g. calling and hanging up)
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m
- Discussing your debt with anyone except you, your spouse, or your attorney
- Calling you at work
Company Profile: Trident Financial Network, Inc.
If you are being called by Trident Financial Network, Inc., a company overview is below.
Trident Financial Network, Inc. is a debt collection agency in Boca Raton, Florida. It opened for business in 2011, has four employees, and is managed by its President, Blake Johnston. Legal records maintained by the PACER website confirm that consumers who felt that they were being harassed by Trident Financial Network, Inc. chose to challenge the company in court.
Alleged Violations against Trident Financial Network, Inc.*
According to information on the PACER website, in or around July 2012, Trident Financial Network, Inc. allegedly called a Georgia consumer to collect a debt. She complained that the caller left a voice message that did not identify him as a debt collector.
Feeling harassed by Trident Financial Network, Inc., the consumer sued the agency for:
- Using false, deceptive, and misleading means to collect a debt
- Failing to identify itself as a debt collector in all communications
The case was later settled.
Hire a Consumer Lawyer
The phone numbers for Trident Financial Network, Inc. are:
If either of them ever show up on your caller ID, be aware that Trident Financial Network, Inc. is on the line. If they leave vague voicemails designed to trick you into returning the call, hire a consumer lawyer and file a claim against Trident Financial Network, Inc.. You may be awarded $1,000 per FDCPA violation, so in this case their presumption can cost them a lot.
*Case taken from PACER (pacer.gov). File number is Case 1:12-cv-03555-MHS from the United States District Court for the Northern District of Georgia, Atlanta 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 Trident Financial Network, Inc. or any other third-party collection agency, you may not be entitled to any compensation.