Some collection agencies have no compunctions when it comes to getting your money. They call you at all hours, pretend to be federal agents with arrest warrants, or call you at work to embarrass you in front of your boss.
What you need to understand is that these actions are illegal and if you take action now, the debt collector may have to compensate you later.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that makes it illegal for a collection agency to make you pay a debt by harassing, deceiving, or abusing you.
It gives you the right to order the collection agency to stop contacting you and gives you the standing to sue a company that does any of the following:
- Trying to collect a debt that belongs to someone else
- Calling your family members and telling them about the debt
- Saying that they have a garnishment order to serve on you at work
- Saying that they are police officers
- Collecting an old debt past the statute of limitations
- Failing to send you a debt validation letter
Company Profile: Vantage Sourcing, LLC
If you are being called by Vantage Sourcing, LLC, read more information about this company below.
Vantage Sourcing, LLC is a collection agency located in Taylor, Alabama. It was founded in 2004, has approximately 70 employees, and is managed by CEO Scott Stanford. In January 2018, the company was acquired by New Jersey-based collection agency MRS BPO, LLC, and expanded.
Records at the PACER website indicate that consumers who thought they were being harassed by Vantage Sourcing, LLC fought for the compensation they deserved.
Alleged Violations against Vantage Sourcing, LLC
According to PACER, in or around 2011, Vantage Sourcing, LLC started trying to collect a debt from a Maryland consumer. He claimed that the original creditor, a telecommunications provider, had double-billed him and refused to pay the extra amount.
According to the consumer, Vantage Sourcing, LLC representatives threatened to ruin his credit if he did not pay the duplicate bill. They also allegedly failed to identify themselves and company they were calling from, saying instead that they were working for Verizon and it was against company policy to tell clients who they were.
The consumer added that he never received a debt validation letter within five days after the first communication. Feeling harassed by Vantage Sourcing, LLC, the consumer hired an attorney and sued the agency for allegedly:
- Threatening to communicate false credit information
- Failing to send a debt validation letter
- Failing to identify itself as a debt collector in all communications
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Vantage Sourcing, LLC are:
Their appearance on your caller ID indicates that Vantage Sourcing, LLC is calling. If they threaten to damage your credit and misrepresent who they work for, hire a consumer lawyer. Being deceived in this manner allows you to file a claim against Vantage Sourcing, LLC.
You could be awarded $1000 per violation, so their decision to mistreat you could cost them in the end.
Case taken from PACER (pacer.gov). File number is Case 1:11-cv-00773-RDB from the United States District Court for the District of Maryland, Northern 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 Vantage Sourcing, LLC or any other third-party collection agency, you may not be entitled to any compensation.