Many debt collectors will go to surprising extremes to get you to settle a debt. They threaten lawsuits and wage garnishment, call you at work, and leave profane messages on your answering machine. None of these actions are legal, so if you’re being subjected to such abuse, call an attorney.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal law that regulates the actions of third-party debt collectors. If you’re dealing with a collection agencies that uses tactics like those below, they are violating federal law.
- Using profane and abusive language
- Telling you that you can be arrested and sent to prison if you don’t pay
- Contacting you even after you’ve ordered them to cease communications
- Demanding outrageous ‘fees’ in addition to the original debt
- Calling at all hours of the day and night
- Talking to uninvolved parties such as your friends, family, and co-workers about the debt
Company Profile: Vision Financial Collection Services
If you are being called by Vision Financial Collection Services, information about the company is below.
Vision Financial Collection Services, which also does business as Vision Financial Corp, is a debt collection company located in Rockford, Illinois.
It opened its doors in 2005, employs around 150 people, and is managed by its President, Scott Cahalane.Records retained by the PACER (Public Access to Court Electronic Records) website reveal that consumers who felt that they were being harassed by Vision Financial Collection Services escalated the matter to court.
Alleged Violations against Vision Financial Collection Services
According to PACER, on or around March 5, 2007 Vision Financial Collection Services sent a collection letter to a Florida man although it had allegedly received notice that he was represented by an attorney regarding the debt.
Feeling harassed by Vision Financial Collection Services, he hired a consumer attorney and sued the company for allegedly violating the FDCPA by contacting him directly despite knowing that he had obtained legal counsel.
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of them appear on your caller ID, it means that you are being called by Vision Financial Collection Services. If they have your attorney’s contact information but persist in approaching you directly, hire a consumer attorney who can help you protect your rights.
If you file a claim against Vision Financial Collection Services and win, you could receive $1,000 per FDCPA violation, so hire an attorney and act on your rights.
- Has a Debt Collector Used Profane Language?
- Has a Debt Collector Asked You to Pay More Than What You Owe?
Case taken from PACER (pacer.gov). File number is Case 0:07-cv-60463-WPD from the United States District Court for the Southern District of Florida.
*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 Vision Financial Collection Services or any other third-party collection agency, you may not be entitled to any compensation.