Do you owe a debt that a collection agency is determined to collect by fair means or foul? While debt collectors may try to convince you that they hold all the power, the truth is that you enjoy important legal protections as an indebted consumer. To learn more about them, read on.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates the professional conduct of third-party collection agencies and imposes guidelines on how they may interact with consumers. Any debt collector who does the following can be fined or closed permanently.
- Demanding that you pay interest, fees, or costs that are excessive and illegal
- Calling before 8:00 am or after 9:00 pm
- Failing to send a written debt validation notice
- Threatening to have you evicted or garnish your wages
- Saying that you have committed a crime for refusing to pay a debt
- Chasing you for a debt you don’t even owe.
Company Profile: Trinity Financial Services, LLC
If you are being called by Trinity Financial Services, LLC, here is more information about the agency.
Trinity Financial Services, LLC, which also does business as F & F Simon Rancho Technology, is a collection agency located in Newport Beach, California. It was established in 2000, has fewer than 10 employees, and is managed by its President, Don Allen Madden III.
The company, which specializes in collecting nonperforming mortgages, has an F rating with the Better Business Bureau. The PACER website has recording confirming that consumers who believed that they were being harassed by Trinity Financial Services, LLC chose to fight back instead of pay.
Alleged Violations against Trinity Financial Services, LLC
According to PACER, on or about February 18, 2014, Trinity Financial Services, LLC sent a collection letter to a Pennsylvania consumer, stating that she owed $106,441.08. She believed that this amount was incorrect, so she sent the company a letter, by certified mail, requesting validation and verification of the debt.
Instead of providing the information, Trinity Financial Services, LLC allegedly sent a second collection letter stating she now owed $110,650.99.
Feeling harassed by Trinity Financial Services, LLC, the consumer sued the agency for allegedly violating her rights in the following ways:
- Failing to send a debt validation letter
- Continuing collection efforts even after she requested validation
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Trinity Financial Services, LLC are:
Seeing them on your caller ID is an indicator that you are being called by Trinity Financial Services, LLC. If they ignore your written request to validate the debt, hire a consumer lawyer and file a claim against Trinity Financial Services, LLC.
When a collection agency violates the FDCPA, they can be ordered to pay statutory damages of $1000 per incident and cover the plaintiff’s legal fees, so taking action is in your best interests.
*Case taken from PACER (pacer.gov). File number is Case 3:15-cv-02464-EDL from the United States District Court for the Northern District of California.
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 Trinity Financial Services, LLC or any other third-party collection agency, you may not be entitled to any compensation.