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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Vanderbilt Mortgage and Finance, Inc.*?

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Are You Being Called By Vanderbilt Mortgage and Finance, Inc.*? Here’s What You Need to Know

Every year the Federal trade Commission receives thousands of complaints about abusive debt collectors. The agencies in question indulge in all kinds of harassment to induce payment, sometimes driving people to file for bankruptcy. If this happens to you, be aware that you have rights and don’t have to tolerate mistreatment.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, limits what third-party debt collectors can say or do to collect a debt. If they use methods like those below to expedite payment from you, they’re breaking the law and can be penalized accordingly.

  • Swearing and using profane language
  • Demanding amounts that exceed the original debt
  • Calling at all hours of the day and night
  • Threatening legal action they have no intention of taking
  • Discussing the debt with your family, friends, and co-workers
  • Leaving voice messages that do not identify the collector and the purpose of their call

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Company Profile: Vanderbilt Mortgage and Finance, Inc.

If you are being called by Vanderbilt Mortgage and Finance, Inc., details about the company history and operations are below.

Vanderbilt Mortgage and Finance, Inc., which also does business as Dick Moore Housing, is a finance company and collection agency in Maryville, Tennessee. It was established in 1965, has 1200 employees, and is managed by its President, Eric Hamilton. Information found in digitized records at the PACER website confirms that consumers who believed that they were being harassed by Vanderbilt Mortgage and Finance, Inc. stood their ground and went to court.

Are You Being Called By Vanderbilt Mortgage and Finance, Inc.*?

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Alleged Violations against Vanderbilt Mortgage and Finance, Inc.**

According to PACER, on or around early 2008, Vanderbilt Mortgage and Finance, Inc. allegedly loaned money to a Florida couple to buy a mobile home. They believed that the company was a bank, and claimed that the promissory note they signed was deposited as cash into a demand deposit account. Vanderbilt Mortgage and Finance, Inc. then allegedly took loans from the Federal Reserve at nine times the value of the note and ‘lent’ the consumers their own money.

Feeling harassed by Vanderbilt Mortgage and Finance, Inc., the consumers sued the company for allegedly:

  • Using unfair or unconscionable means to collect a debt
  • Using false, deceptive, and misleading means to collect a debt
  • Misrepresenting the character, amount, or legal status of the debt
  • Communicating inaccurate information to the credit bureaus

The matter was later dismissed.

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Hire a Consumer Lawyer

The phone numbers for this debt collection agency are:

If either number pops up on your caller ID, it means that Vanderbilt Mortgage and Finance, Inc. is trying to contact you about an alleged debt. If they loan you money under questionable conditions and report details of the debt to the credit bureaus, your next step should be hiring a consumer lawyer and filing a claim against Vanderbilt Mortgage and Finance, Inc. The FDCPA protects you from illegal debt collection practices and you could even receive statutory damages, so don’t be fooled or intimidated into complacency.

Available damages include $1,000 per FDCPA violation plus your reasonable attorney’s fees, so you always have options when a collection agency abuses your rights.

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Additional Resources

**Case taken from PACER (www.pacer.gov). File number is Case 3:14-cv-00577-MCR-CJK from the United States District Court for the Northern District of Florida, Pensacola 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 Vanderbilt Mortgage and Finance, Inc. or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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