In a difficult economic climate, many consumers throughout the U.S. find it impossible to pay their debts. Some of them have been targeted by ruthless debt collectors who yell obscenities over the phone and threaten legal action- one collector actually threatened to burn a consumer’s house down!
When debt collectors go this far, you have grounds to sue.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates the U.S. debt collection industry. It allows consumers to demand validation of a debt or demand that all contact from debt collectors cease.
It also prohibits third-party collection agencies (meaning those that are not direct creditors) from using unethical collection practices like the following:
- Using profane or obscene language
- Making threats they cannot legally follow up on, such as having you arrested
- Refusing or failing the validate the debt
- Telling your friends, neighbors, and co-workers that you owe money
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Reporting false information to the credit bureaus
Company Profile: Tritium Card Services, Inc.
If you are being called by Tritium Card Services, Inc., you can find details about this agency below.
Tritium Card Services, Inc. is a debt collection agency located in Westbury, New York. It was established in 1998, has 10 to 19 employees, and is managed by its CEO, Mitch Levin.
It often collects debts in collaboration with Pinnacle Credit Services, LLC. A review of litigation files at the PACER website indicates that consumers who believed they were being harassed by Tritium Card Services, Inc. chose to litigate instead of pay.
Alleged Violations against Tritium Card Services, Inc.
According to PACER, in or around early 2010 Tritium Card Services, Inc. started trying to collect a debt from a Colorado consumer. She asserted that the company violated the FDCPA by telling her that her dispute had to be in writing and that if she didn’t pay, the account would stay on her credit report for seven to ten years.
She also alleged that the company left some voice messages that did not identify the callers as debt collectors. Feeling harassed by Tritium Card Services, Inc., the consumer hired an attorney and sued the company for violating her FDCPA rights in the following ways:
- Using false, deceptive and misleading means to collect a debt
- Failing to identify itself as a debt collector in all communications
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Tritium Card Services, Inc. are listed below:
If you see either one of them on your caller ID at any time of the day or night, it means that Tritium Card Services, Inc. is trying to collect a debt from you. If they mislead you on your dispute rights and threaten to damage your credit, contact a consumer attorney.
You have the legal standing to file a claim against Tritium Card Services, Inc., and if your case is successful, you could be awarded statutory damages in addition to court costs and attorney fees. When a debt collector oversteps its bounds, they literally have a lot to lose.
Case taken from PACER (pacer.gov). File number is Case 1:10-cv-01364-REB-KLM from the United States District Court for the District of Colorado.
*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 Tritium Card Services, Inc.. or any other third-party collection agency, you may not be entitled to any compensation.