Debt collectors are well-known for using aggressive and manipulative strategies calculated to make you pay a debt immediately and in full. When you don’t comply, they can unleash a campaign of harassment capable of driving most people into bankruptcy.
These practices violate federal law, so if you find yourself dealing with such a collection agency, read on.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits third-party debt collectors from using deceptive and unethical collection tactics to make debtors pay. Consumer complaints can lead to an agency being fined, so if you are subjected to strategies like those below, hire a consumer attorney.
- Calling you at work after you tell them that you can’t take personal calls there
- Threatening to report the debt to the credit bureaus until it is paid
- Demanding amounts that are not supported by law or the original creditor agreement
- Threatening legal action they cannot take or have no intention of taking
- Using profane or obscene language
- Talking to your friends and family about your debt
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Company Profile: University Accounting Service
If you are being called by University Accounting Service information about the company is below.
University Accounting Service is a debt collection company located in Brookfield, Wisconsin. It was established in 2000, has 100 employees, and is managed by Gary Weller. Its purpose is to collect outstanding student loans.
According to litigation data maintained by the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by University Accounting Service went to court to dispute the claims.
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Alleged Violations against University Accounting Service
According to PACER, on or about October 10, 2014, University Accounting Service sent a collection letter to a California woman regarding a student loan debt. It advised her that her tax refund would be garnished unless she paid within 30 days.
When her attorney sent a letter to the company explaining that the loans were non-federal “institutional loans,”, University Accounting Service allegedly recalled the account from the Franchise Tax Board, but when she contacted the FTB on September 16, 2015 to confirm this, she learned that there was still an active offset request on her account.
Feeling harassed by University Accounting Service, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Making threats it could not legally follow up on
- Misrepresenting the character, amount, or legal status of the debt
The matter was later dismissed.
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Speak with an Attorney
The phone numbers for this debt collection agency are as follows:
If your phone goes off any time of the day or night and you see these numbers on your caller ID, it means that you are being called by University Accounting Service. If they send you collection letters containing threats that are legally insupportable, hire a consumer attorney.
If you win your case, you could receive $1,000 per FDCPA violation, so when a collection agency tries to threaten you, call them on it in court.
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Additional Resources
Case taken from PACER (pacer.gov). File number is Case 3:15-cv-05629-WHO from the United States District Court for the Northern District of California, San Francisco / Oakland 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 University Accounting Service or any other third-party collection agency, you may not be entitled to any compensation.