Is TSYS Total Debt Management Inc calling you? Here's what you need to know.
When you’re in heavy debt, the resulting stress affects other aspects of your life. Even when you succeed in making the minimum monthly payments, there’s a futile sense of owing more than you can ever repay.
If you lose your job or become ill, even the minimum payments may become more than you can handle. Some creditors might work with you, but most will eventually turn your accounts over to a debt collector, who may try to squeeze blood from a stone.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers from unethical third-party debt collection practices. Actions like the following are illegal when used to pressure a consumer into paying a debt.
- Using profane or obscene language
- Reporting false information to the credit bureau
- Failing or refusing to identify themselves as debt collectors
- Threatening to have you arrested or imprisoned if you don’t pay
- Calling you at work when your employer does not allow such calls
- Talking about the debt to anyone except you, your spouse, or your attorney
Company Profile: TSYS Total Debt Management Inc
TSYS Total Debt Management Inc is a collection agency headquartered in Norcross, Georgia. It was established in 1999 and has fewer than 10 employees and is managed by CEO John R. Schwab. As of August 2009, the agency has been operating as a subsidiary of Expert Global Solutions, Inc, and in October of that year its name changed to Total Debt Management, Inc.
Records on file at the PACER (Public Access to Court Electronic Records) website confirm that TSYS Total Debt Management Inc has been accused of violating the FDCPA when attempting to collect certain consumer debts.
Alleged Violations against TSYS Total Debt Management Inc
Marie Williams vs. TSYS Total Debt Management Inc d/b/a National Attorney Network
On or about August 25, 2008, Illinois resident Marie Williams was served with a summons and complaint in a lawsuit filed in the Circuit Court of Cook County, Illinois for the purpose of collecting a purported credit card debt. TSYS Total Debt Management Inc had been hired by Capital One Bank to collect the debt and process the litigation.
The paperwork included a summons, complaint, and affidavit of Maisha Davis, who allegedly provided it as an “agent” of Capital One. Ms. Davis was in fact an employee of TSYS Total Debt Management Inc, although the affidavit did not state that fact.
Wondering how a non-employee could possibly testify about Capital One’s records and accounts, Ms. Williams hired a consumer attorney and filed a lawsuit against TSYS Total Debt Management Inc for allegedly violating the FDCPA by using false, deceptive or misleading representations or means to collect the debt.
The matter was later settled.
Hire a Creditor Harassment Attorney
The phone numbers for TSYS Total Debt Management Inc are:
If your phone rings and either of these numbers appear on your caller ID, be aware that a debt collector is calling. If any of their verbal or written communications with you contain information that is arguably misleading, hire a consumer attorney. If you decide to sue TSYS Total Debt Management Inc, you could potentially win $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages.
When debt collectors abuse your rights, the decision to fight back could end up paying off for you.
*Case taken from PACER (www.pacer.gov). File number is 1:09-cv-02082 from United States District Court, Northern District of Illinois, Eastern Division
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 TSYS Total Debt Management Inc, or any other third-party collection agency, you may not be entitled to any compensation.