Debt collectors have a bad reputation for harassing debtors, sometimes over accounts they don’t legally owe. If you’re being chased by a collection agency that embarrasses you and makes your life miserable, don’t assume that there’s nothing you can do.
There actually are ways to stop the bullying that don’t involve paying the debt.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers when third-party debt collectors become too zealous. Its regulations prohibit the use of methods like the following to coerce you into paying.
- Cursing and calling you names
- Calling you at an inconvenient time, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Telling your friends, neighbors and co-workers that you owe money and they are trying to collect it from you
- Telling you that you have committed a crime and will be arrested if you don’t pay
- Failing or refusing to identify themselves as debt collectors in every communication
- Reporting false information to the credit bureaus
Company Profile: World Omni Financial Corp.
If you are being called by World Omni Financial Corp., information about the company is below.
World Omni Financial Corp. is a large automobile financing and debt collection agency located in Deerfield Beach, Florida. It was established in 1982, has thousands of employees, and is managed by its President, Daniel Chait.
Litigation files archived at the PACER (Public Access to Court Electronic Records) website confirm consumers who felt they were being harassed by World Omni Financial Corp.sued for company for allegedly illegal debt collection practices.
Alleged Violations against World Omni Financial Corp.
According to PACER, in or around September 2006 World Omni Financial Corp. contacted a Florida woman regarding alleged damage on a vehicle she had turned in. The company also allegedly claimed that more money was now due.
She disputed the claim but World Omni Financial Corp. had already put the debt into collections. After the woman finally agreed to and paid a final settlement of $550, she checked her credit report and found that World Omni Financial Corp. was reporting an outstanding debt of over $1408.
Feeling harassed by World Omni Financial Corp., she hired a consumer attorney and sued the company for allegedly violating the FDCPA by reporting inaccurate information to the credit bureaus.
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are:
If you see any of these numbers on your caller ID when the phone rings, it means that you are being called by World Omni Financial Corp.. Should the company damage your credit rating by inaccurately reporting a debt, hire a consumer attorney immediately.
If you file a claim against World Omni Financial Corp. and win, you could receive $1,000 per FDCPA violation as well as associated costs. When your financial integrity is at stake, fighting back is worth it.
Case taken from PACER (www.pacer.gov). File number is Case 9:08-cv-80089-WPD from the United States District Court for the Southern District of Florida.
- Can a Debt Collector Try to Make You Pay More Than What I Owe?
- Has a Debt Collector Used Profane Language?
*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 World Omni Financial Corp., or any other third-party collection agency, you may not be entitled to any compensation.