Debt collectors are hardly known for their pleasant interactions. Some have behaved so badly that they've been closed down! If you find yourself dealing with this type of debt collector, knowing your rights will guide your next steps.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from being harassed into bankruptcy. It regulates debt collector conduct and does not allow strategies like those below to be used to collect a debt.
- Cursing and calling you names
- Contacting you if they know that you are being represented by an attorney
- Using an autodialer to contact you nonstop
- Calling at inconvenient hours
- Reporting false information to the credit bureaus
- Demanding amounts not supported by the original creditor agreement
Company Profile: Walled Lake Credit Bureau
If you are being called by Walled Lake Credit Bureau, here is a general agency overview.
Walled Lake Credit Bureau is a debt collection agency in Broomfield, Colorado. It was established in 2010, has 10 employees, and is managed by Patrick Sommerville. Litigation files viewable at the PACER website suggest that consumers who believed that they were being harassed by Walled Lake Credit Bureau pushed back hard.
Alleged Violations against Walled Lake Credit Bureau
According to PACER, on or around December 5, 2012, Walled Lake Credit Bureau sent a collection letter to a Florida consumer regarding a mortgage debt. It contained a statement that was interpreted to read that requiring that the debtor must dispute the debt in writing or that it would be assumed to be correct by a source other than the debt collector.
Feeling harassed by Walled Lake Credit Bureau, the consumer filed a claim against it for misleading her regarding her dispute rights.
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-248-766-5436. If it appears on the caller ID of your home or cell phone, it means that Walled Lake Credit Bureau is on the line. If they send collection letters that misrepresent your dispute rights, hire a consumer lawyer and file a claim against Walled Lake Credit Bureau. You could be awarded $1,000 per FDCPA violation plus applicable court costs. Never tolerate abuse, no matter how much you allegedly owe.
*Case taken from PACER (pacer.gov). File number is Case 2:13-cv-14226-DLG 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 Walled Lake Credit Bureau or any other third-party collection agency, you may not be entitled to any compensation.