Do you feel that you are being treated unfairly or even harassed by debt collectors? Are you suspicious about the validity of their claims or stressed by their collection tactics? Make sure that you know your rights and that there are laws in place to make these agencies respect them.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects you from aggressive, deceptive, and unfair debt collection practices. If a collection agency tries to compel you to pay by using threats or intimidation, you can file a complaint against them.
Examples of illegal collection tactics include:
- Using profane and obscene language
- Using the telephone to harass you with constant calls
- Failing to report to the credit bureaus that a debt is in dispute
- Refusing or failing to validate the debt and prove that they are authorized to collect it
- Ignoring a formal cease communications request
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
Company Profile: USCB Corporation
If you are being called by USCB Corporation, information about the agency is available below.
USCB Corporation is a debt collection agency headquartered in Eynon, Pennsylvania, with branch offices in Colorado, Hawaii, Nebraska, New Mexico, Wisconsin, and Wyoming. It was founded in 2004, has approximately 17 employees at the head office, and is managed by owner Noreen Johnson.
Court files viewable at the PACER website indicate that consumers who felt they were being harassed by USCB Corporation proactively protected their rights by filing lawsuits.
Alleged Violations against USCB Corporation
According to PACER, on or about January 15, 2013 USCB Corporation allegedly sent a collection letter to a Colorado consumer seeking payment for a student loan debt.
She called the agency to dispute the debt, saying she never borrowed that much, but the representative allegedly told her that the dispute had to be in writing. The consumer sent a dispute letter, but when she checked her credit report later, the company had not reported the account as disputed.
Feeling harassed by USCB Corporation, she hired a consumer and sued the agency for violating the FDCPA by:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for USCB Corporation are:
Any time you see one of them on your caller ID, USCB Corporation is on the line. If they ignore both a verbal and written dispute, they’ve broken the law, so hire a consumer lawyer who can help you file a claim against USCB Corporation.
The FDCPA is a strict liability statute, so you don’t have to prove damages in order to receive $1000 statutory damages per violation. If a debt collector is contacting you in a harassing or deceptive manner, a consumer lawyer can get you compensation.
Case taken from PACER (pacer.gov). File number is Case 1:13-cv-00905-RPM-CBS from the United States District Court for the District of Colorado.
*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 USCB Corporation or any other third-party collection agency, you may not be entitled to any compensation.