Are you being called by Valley Credit Services, Inc.?* Here's what you need to know.
The cost of living has gone up but paychecks have not, so many Americans are struggling to make ends meet. Once your credit card bills, medical accounts, and other debts go into arrears, debt collectors will eventually start calling and demanding payment in ways that are not always civil or professional.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits actions like those below during a debt collection attempt. Any third-party collection agency that uses them or others like them can be fined and even put out of business.
- Swearing, shouting at you, and calling you names
- Ignoring a debt validation request
- Telling you that you will be arrested, have your wages garnished, or lose your house if you don’t pay
- Calling you several times a day
- Contacting you at work despite knowing that personal calls are not allowed there
- Telling you that by failing to pay the debt, you have committed a crime
Company Profile: Valley Credit Services, Inc.
Valley Credit Services, Inc is a debt collection agency located in Keizer, Oregon. It was established in 1936, has less than 10 employees, and is managed by its CEO, Greg Hammack. Records on file at the PACER (Public Access to Court Electronic Records) website reveal that consumers who believed they were being harassed by Valley Credit Services, Inc. have sued the company to protect their rights.
Alleged Violations against Valley Credit Services, Inc.
David Mumma vs. Valley Credit Services, Inc. et al*
According to PACER, beginning in or around June 2013, and continuing through July 2013, Valley Credit Services, Inc. attempted to collect a medical debt from Pennsylvania resident David Mumma. Mr. Mumma later complained that he was called by Valley Credit Services, Inc. at least once a day using an automated/pre-recorded message, making it impossible for him to speak with a live person.
In addition, Valley Credit Services, Inc. also allegedly disguise its identity, publishing “UNKNOWN NAME 000-000-0000” on Mr. Mumma’s caller ID. He only learned that the caller was a collection agency by listening to the messages on his voicemail. When he requested validation of the debt, it allegedly never arrived.
Feeling harassed by Valley Credit Services, Inc., Mr. Mumma hired a consumer attorney and sued the company for the following alleged FDCPA violations:
- Using the telephone to harass him
- Using unfair or unconscionable means to collect a debt
- Failing to validate the debt on request
The matter was later dismissed.
Hire an Attorney
The phone numbers for Valley Credit Services, Inc are:
If either number appears on your caller ID when the phone rings, it means that you are being called by Valley Credit Services, Inc. If they call you constantly using an auto-dialer and fail to validate the debt, hire a consumer attorney. If you choose to file a claim against Valley Credit Services, Inc. and win your case, you could be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. When it comes to debt collectors, never hesitate to act on the rights that the law gives you.
*Case taken from PACER (www.pacer.gov). File number is Case 1:14-cv-01078-YK from the United States District Court for the Middle 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 Valley Credit Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.