Abuse by debt collectors is at an all-time high. People are being threatened and chased for debts they don’t owe or are inflated by illegal collection charges. Not all of them know that they have rights that prohibit such mistreatment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to prevent third-party debt collectors from hounding consumers into bankruptcy. This important piece of legislation gives you the right to demand that the debt collector stop calling you and sue them if they don’t comply.
- Failing to send a debt validation package within 5 days of initial contact
- Reporting inaccurate information to the credit bureaus
- Refusing to listen when you say that the debt belongs to someone else
- Calling you names
- Discussing your debt with anyone except you, your spouse, or your attorney
- Refusing to prove that they are authorized to collect the debt
Company Profile: Turnbrook Associates, Inc.
If you are being called by Turnbrook Associates, Inc., an agency overview is below.
Turnbrook Associates, Inc. is a debt collection agency located in Blackwood, New Jersey. It was founded in 1975, has fewer than 10 employees, and is managed by owner Tom Capp. Litigation files at the PACER website indicate that consumers who believed that they were being harassed by Turnbrook Associates, Inc. took the agency to court in the end.
Alleged Violations against Turnbrook Associates, Inc.**
According to information on the PACER website, in or around December 2004, Turnbrook Associates, Inc. began trying to collect a debt from a Pennsylvania consumer. She claimed that on or around January 6, 2005, a collector who identified herself as Mrs. David contacted her mother and revealed details about the debt.
This conversation was allegedly followed by another one, this one between Mrs. David and the consumer, on or about January 7, 2005. When the consumer said she could not pay off the debt, Mrs. David allegedly told her that she should “file bankruptcy before we sue you in Superior Court and place a judgment on your permanent record which will remain on your credit report for 20 years.”
Feeling harassed by Turnbrook Associates, Inc., the consumer took action by suing the company for:
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
A judgement was entered in favor of the plaintiff.
Hire a Consumer Lawyer
The phone number for this debt collection company is 1-856-232-7722. If you ever see it in your caller ID, it is confirmation that you are being called by Turnbrook Associates, Inc. If they talk to third parties about the debt and threaten baseless legal action, you should consider hiring a consumer lawyer and file a claim against Turnbrook Associates, Inc. The company could be ordered to pay you $1,000 per FDCPA violation and cover your attorney fees, so you have little to lose by standing up for yourself. Fill out the Free Case Evaluation found on this page so a consumer rights attorney that is liscensed in your area can look over your claim!
**Case taken from PACER (pacer.gov). File number is Case 2:05-cv-01053-JS from the United States District Court for the Eastern 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 Turnbrook Associates, Inc. or any other third-party collection agency, you may not be entitled to any compensation.