Is TRS Financial Services Calling You?*

When debt collectors constantly belittle and embarrass you for your inability to pay a debt, you may be tempted to declare bankruptcy to escape. While bankruptcy can give you a fresh start, there are other ways you can stop a collection agency from making your life miserable.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, gives you the right to dispute a debt and tell a debt collector to stop contacting you. It also regulates how third-party agencies may collect a debt and prohibits actions like the following.

• Swearing and using racist or sexist language
• Discussing the debt with anyone except you, your spouse, or your attorney
• Demanding amounts that are inflated by ‘service charges’
• Failing to identify themselves during each communication as a debt collector
• Threatening legal actions that they have no intention of taking
• Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone

Company Profile: TRS Financial Services

If you are being called by TRS Financial Services, information about the company is below.

TRS Financial Services is a debt collection company located in Katy, Texas. It opened its doors in 1974, is a smaller company with 14 staff, and is managed by its President, James Chancelor.

Consumer lawsuit records retained by the the PACER (Public Access to Court Electronic Records) website indicate that people who felt that they were being harassed by TRS Financial Services commenced litigation at their end.

Alleged Violations against TRS Financial Services

According to PACER, starting in or around early 2010, TRS Financial Services began calling a Pennsylvania woman to collect a debt that allegedly did not belong to her. She complained that she got calls on weekends, never received written notice of the debt, and kept receiving calls even after telling agency employees that she was not the debtor.

Feeling harassed by TRS Financial Services, she hired a consumer attorney and sued the company for allegedly violating the FDCPA by:

• Continuing to call after being told to stop
• Using false, deceptive and misleading means to collect a debt
• Failure to send a debt validation notice

The matter was later dismissed.

Hire an Attorney

The phone number for this debt collection agency is 1-281-385-8382. If you see it on your caller ID, it means that you are being called by TRS Financial Services. If they harass you over someone else’s debt, hire a consumer attorney.

If you file a claim against TRS Financial Services, you could potentially be awarded $1,000 per FDCPA violation plus court costs and attorney fees. When a collection agency harasses the wrong person, consequences result.

Additional Resources

• Has a Debt Collector Used Profane Language?
• How Do I Pay an FDCPA Attorney?

*Case taken from PACER (pacer.gov). File number is Case 2:10-cv-00979-WLS from the United States District Court for the Western 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 TRS Financial Services or any other third-party collection agency, you may not be entitled to any compensation.