Are you getting daily calls from a debt collector who swears at you and says you can go to jail for an unpaid credit card bill? Do they use profane language and call your family when they can’t reach you directly? Alarming as this situation is, you have rights that can help you bring this treatment to an end.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects you when debt collectors make misleading, threatening, or harassing statements to deceive you into paying a debt. Below are some examples of actions that legally cross the line:
- Threatening to submit false information to the credit reporting agencies
- Calling you after you have sent a cease communications letter
- Saying that they can seize protected income, such as social security or disability checks
- Collecting interest, fees and other charges that are not authorized by the original creditor agreement
- Falsely claiming to be an attorney
- Threatening to have you arrested or jailed
Company Profile: Waypoint Resource Group, LLC
If you are being called by Waypoint Resource Group, LLC, we have an overview of the company history below.
Waypoint Resource Group, LLC is a collection agency located in Round Rock, Texas. It opened for business in 2012, has a small team of fewer than 10 employees, and is managed by its CEO, James Patterson. It has a B rating with the Better Business Bureau, with 44 complaints made against it.
The PACER website has legal records confirming that consumers who believed they were being harassed by Waypoint Resource Group, LLC sued the agency for violating their rights.
Alleged Violations against Waypoint Resource Group, LLC
According to PACER, on or about February 13, 2017, Waypoint Resource Group, LLC sent a collection letter to a Virginia consumer. It stated, in part:
If you do not satisfy the terms and conditions of this settlement agreement, accrued interest or collection costs that occur during this time may be added to the current total balance indicated on this notice.
Because your account may accrue interest, late charges and other charges which vary from day to day, the amount required to pay your account in full on the day we receive your payment may be greater than the amount stated here.
The consumer knew that during the collection phase the balance would not vary, and felt that this language was intended to coerce him into making payment when in reality there would be no additional fees added.
Feeling harassed by Waypoint Resource Group, LLC, the consumer hired a lawyer and sued the company for allegedly violating his rights by:
- Using false, deceptive, and misleading means to collect a debt
- Failing to send a debt validation letter
The matter was later dismissed.
Hire a Consumer Lawyer
The phone number for Waypoint Resource Group, LLC is 1-866-447-4163. If your phone rings and this number appears on your caller ID, it means that Waypoint Resource Group, LLC is trying to collect a debt from you.
If they send you letters that misrepresent your rights, contact a consumer lawyer and hire them to help you file a claim against Waypoint Resource Group, LLC. Any collection agency that violates the FDCPA can be ordered to compensate you, starting at $1,000 per violation, so acting on your rights can be in your best interests.
Case taken from PACER (pacer.gov). File number is Case 3:18-cv-00089-HEH from the United States District Court for the Eastern District of Virginia, Richmond 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 Waypoint Resource Group, LLC or any other third-party collection agency, you may not be entitled to any compensation.