People fall into serious debt for a number of understandable reasons, such as illness, job loss, or an unexpected and necessary expense. Once an account is delinquent, creditors will usually assign them to third-party debt collectors who can make your situation even worse if you don’t know your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which is enforced by the Federal Trade Commission, governs what third-party debt collectors can do while attempting to collect consumer debts. Actions like the following are strictly prohibited:
- Using profane or obscene language
- Making threats they cannot legally carry out or have no intention of carrying out
- Discussing your debt with anyone except you, your spouse, or your attorney
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m.
- Claiming to be police officials or government agents
- Using an autodialer to harass you by phone
Company Profile: Turning Point Solutions
If you are being called by Turning Point Solutions, information about the company is below.
Turning Point Solutions is a debt collection company located in Orchard Park, New York. It was established in 1991, has fewer than 10 employees, and is managed by its owner, Sam Galbo. The company is the subject of numerous complaints on Internet forums, and records retained by the PACER (Public Access to Court Electronic Records) website reveals that consumers who believed they were being harassed by Turning Point Solutions sued the company and sometimes received substantial awards.
Alleged Violations against Turning Point Solutions
Janice Lavrich vs. Turning Point Solutions*
According to PACER, in or around December 2014, Turning Point Solutions contacted Ohio resident Janice Lavrich in an attempt to collect a debt that allegedly was not hers. She explained to the callers that they had the wrong number and requested that contact cease, but the calls allegedly continued.
Feeling harassed by Turning Point Solutions, Ms. Lavrich hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing and abusive means to collect a debt
- Harassing her by phone
- Using unfair and unconscionable means to collect a debt
- Ignoring a cease communications request
A judge later ordered Turning Point Solutions to pay Ms. Lavrich $6,000 in actual and statutory damages.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you ever see any of them on your caller ID when the phone rings, it means that you are being called by Turning Point Solutions. If they refuse to accept that you are not the debtor they are seeking, contact a consumer attorney who can help you file a claim against Turning Point Solutions. If the judge rules in favor of your claim, the agency could be ordered to pay you $1,000 per FDCPA violation in addition to applicable legal fees. Never tolerate abuse when you have resources to fight back.
*Case taken from PACER (www.pacer.gov). File number is Case: 1:15-cv-01561-CAB from the United States District Court for the Northern District of Ohio, 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 Turning Point Solutions, or any other third-party collection agency, you may not be entitled to any compensation.