Are You Being Called By Trust Financial, LLC*? Here's What You Need to Know
The average U.S. household carries a credit card balance of $15,000. Making the minimum payments can become overwhelming if you lose your job get divorced, or happens to reduce your cash flow. If debt collectors start calling, they may be abusive in their payment demands. If they are, you have grounds to take legal action.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law. This law regulates the conduct of third-party debt collectors. Actions like the following are illegal when used to collect or attempt to collect a consumer debt:
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Saying that they have court papers ready to serve on you when they don’t
- Pretending to be attorneys, police officers, or federal agents
- Using profane and obscene language
- Demanding an amount that is not supported by law or the original debt agreement
- Reporting inaccurate information to the credit bureau
Company Profile: Trust Financial, LLC
If you are being called by Trust Financial, LLC, details about the company are below.
Trust Financial, LLC, which also does business as Rocky Mountain Recovery Systems, Inc., is a finance company and collection agency in Powell, Wyoming, with a branch office in Idaho Falls, Idaho. It was founded in 1989, has fewer than employees, and is managed by its President, Dwight Bremer. Litigation records at the PACER website confirm that consumers who believed that they were being harassed by Trust Financial, LLC refused to pay.
Alleged Violations against Trust Financial, LLC*
According to PACER, in or around 2017, Trust Financial, LLC started trying to collect an unpaid legal invoice from an Idaho consumer and his wife. The wife was the one who had retained the law firm, and claimed that although she originally disputed the debt, it was subsequently handled. When she refused to pay Trust Financial, LLC, the agency sued her (and her husband, although he had nothing to do with the debt).
Feeling harassed by Trust Financial, LLC, the consumers hired an attorney and sued the company for allegedly:
- Using false, deceptive, and misleading means to collect a debt
- Trying to collect an amount not permitted by law or the original creditor agreement
- Misrepresenting the character, amount, or legal status of the debt
In February 2019, a judge awarded the plaintiff $3,001 plus costs and attorney fees.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If either number appears on your caller ID at any time of the day or night, Trust Financial, LLC is trying to reach you. If they sue you for a debt that you don’t legally owe, don’t pay it out of fear or intimidation.
Hire a consumer lawyer and file a claim against Trust Financial, LLC. Any collection agency that breaks the law can be ordered to pay you $1,000 in statutory damages, putting it in debt to you instead.
- How to Stop a Debt Collector from Threatening Legal Action
- What If I'm Getting Collection Calls for Someone Else's Debt
**Case taken from PACER (www.pacer.gov). File number is Case 4:18-cv-00421-DCN from the United States District Court for the District of Idaho.
*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 Trust Financial, LLC or any other third-party collection agency, you may not be entitled to any compensation.