When we experience financial setbacks that make it impossible to cover our debts, debt collectors will eventually start calling, and they can be ruthless. It’s important to remember, however, that you have rights no matter how much you owe.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects you from being harassed by debt collectors. It regulates the conduct of these collection agencies and will fine or shut down a company that uses tactics like those below.
- Calling you at an inconvenient time
- Claiming that you can be arrested
- Trying to collect amounts that exceed the original debt
- Threatening legal action they have no intention of taking
- Failing to identify themselves as debt collectors
- Using profane or obscene language
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Company Profile: Western Mass Credit
If you are being called by Western Mass Credit, here are some additional details about the agency.
Western Mass Credit is a debt collection agency in Wilbraham, Massachusetts. It was established in 1999, has 10 employees, and is managed by Linda R. Lata. Consumer-initiated lawsuits at the PACER website show that people who believed that they were being harassed by Western Mass Credit did not back down.
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Alleged Violations against Western Mass Credit
According to PACER, in or around April 2012, Western Mass Credit allegedly started calling a Michigan couple about a debt owed by their son. They said that he did not live with them and requested that all communications cease, but the agency allegedly kept calling them until their son filed for bankruptcy.
Feeling harassed by Western Mass Credit, they took legal action against the company for:
- Harassing them by phone
- Contacting them about a debt they did not owe
The matter was later settled.
![Being Called By Western Mass Credit? Here's What to Know]()
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Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-413-543-1230. If you see it on your caller ID, it means that Western Mass Credit is trying to reach you. If they call incessantly about someone else’s debt, hire a consumer lawyer and file a claim against Western Mass Credit. You could receive $1,000 per FDCPA violation in addition to court costs associated with the action. When a debt collector goes too far, a consumer attorney will help you fight for compensation.
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Additional Resources
*Case taken from PACER (.pacer.gov). File number is Case 2:13-cv-11390-SFC-DRG from the United States District Court for the Eastern District of Michigan, Southern 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 Western Mass Credit or any other third-party collection agency, you may not be entitled to any compensation.