Are you being called by Tucker, Albin & Associates, Inc.?* Here’s what you need to know
Today, the average U.S. household has a $15,000 revolving credit card balance. With credit card interest currently at a median rate of 18%, these families are spending almost 9% of their annual income on interest payments. When they are eventually unable to keep up, collection agencies will soon start calling, and not all of them are civil or respectful in their approach.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from third-party debt collectors who were harassing people to the point of bankruptcy. The FDCPA regulates what collection agencies can do to collect a debt and prohibits actions like the following:
- Swearing, yelling, and calling you names
- Telling your friends, neighbors, and co-workers that you owe money
- Leaving voice messages that do not identify the collector and the purpose of their call
- Harassing you by telephone (e.g. calling and hanging up)
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you at work if they know what such calls are not allowed
Company Profile: Tucker, Albin & Associates, Inc.
If you are being called by Tucker, Albin & Associates, Inc., information about the company is below.
Tucker, Albin & Associates, Inc. is a debt collection office located in Richardson, Texas with an office in Denver, Colorado. It was established in 2008, has approximately 50 to 99 employees, and is managed by Blake Cummings. In July 2016, the Minnesota Department of Commerce fined the agency $500,000 for harassing over 100 small businesses around the state. Legal records retained by the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Tucker, Albin & Associates, Inc. sued the company to seek compensation.
Alleged Violations against Tucker, Albin & Associates, Inc.
Christopher Bowen vs. Tucker, Albin & Associates, Inc. et al*
According to PACER,on March 7, 2014, North Carolina resident Christopher Bowen received a debt collection email from a “Bea Wright” on behalf of Tucker, Albin & Associates, Inc.. When he called the company to investigate, the unnamed person who answered the phone was allegedly rude and refused to provide any information. Mr. Bowen then replied to Ms. Wright’s email, disputing the debt and stating that he had previously paid the debt to a prior collection agency. After failing to provide the requested validation, Ms. Wright finally emailed him stating that “we’ve moved on.”
Feeling harassed by Tucker, Albin & Associates, Inc., Mr. Bowen hired a consumer attorney and sued the firm for allegedly violating the FDCPA in the following ways:
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection company are:
If any of these numbers appear on your caller ID in response to an incoming call, it means that you are being called by Tucker, Albin & Associates, Inc.. If they harass you over a debt that has already been paid, hire a consumer attorney. If you file a claim against Tucker, Albin & Associates, Inc. with your attorney’s help, you could potentially receive $1,000 per FDCPA violation plus court costs and attorney fees. Don’t let yourself be intimidated into inaction: securing an attorney’s help to fight back can pay off.
*Case taken from PACER (www.pacer.gov). File number is Case 5:14-cv-00488-F from the United States District Court for the Eastern District of North Carolina, Western 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 Tucker, Albin & Associates, Inc., or any other third-party collection agency, you may not be entitled to any compensation.