When a debt collector demands payment from you, they may tell you that you have no choice but to pay the debt. This is not true. If you don’t owe the money or the debt is too old to be collected, you can order the collection agency to stop contacting you.
If they refuse, the law allows you to file a lawsuit and seek compensation.
Your Rights Under the FDCPA
A consumer protection law called the Fair Debt Collection Practices Act (FDCPA) grants you certain rights when communicating with debt collectors. If a collection agency uses any of these ruses to bully or deceive you into paying, you can take legal action.
- Threatening to destroy your credit
- Calling your friends and relatives even after they have located you
- Leaving voice messages that do not clearly identify the caller as a debt collector
- Ignoring your request for written verification of the debt
- Continuing to collect after receiving a written cease communications notice
- Calling you at times they know are inconvenient for you
Company Profile: Troy Capital, LLC
If you are being called by Troy Capital, LLC, more information about the company, its history, and management are below.
Troy Capital, LLC is a debt buyer and collection agency located in Las Vegas, Nevada. It was established in 2007, has a small team of fewer than 20 employees, and is managed by its President, Troy Dupuis.
A close review of civil litigation records at the PACER website indicates that consumers who believed that they were being harassed by Troy Capital, LLC used the court system to help them protect their rights.
Alleged Violations against Troy Capital, LLC
According to PACER, on or about May 21, 2014, Troy Capital, LLC sent a collection letter to a Pennsylvania consumer. The letter indicated that interest could continue to accrue on
unpaid principle, which she took as a subtle threat to pay the debt.
The consumer was also concerned because a barcode and account number were visible through a glassine window on the envelope, making her personal information viewable. The letter also did not advise her that a dispute had to be in writing.
Feeling harassed by Troy Capital, LLC, the consumer sued the company for the following alleged FDCPA violations:
- Making misleading statements about her dispute rights
- Using false, deceptive, and misleading means to collect a debt
- Making her account number visible to outside parties
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Troy Capital, LLC are:
If they appear on your caller ID at any time, it means that Troy Capital, LLC is on the line. You have rights as a consumer, and if a collection agency violates them by making misleading claim statements in a collection letter, hire a consumer lawyer and file a claim against Troy Capital, LLC.
You could be awarded $1,000 in statutory damages for each FDCPA violation, so acting on your rights can bring about a positive outcome.
Case taken from PACER (pacer.gov). File number is Case 3:15-cv-00654-RPC from the United States District Court for the Middle District of Pennsylvania.
*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 Troy Capital, LLC or any other third-party collection agency, you may not be entitled to any compensation.