If you have fallen behind on your debt payments because you lost your job, your creditors may send these accounts to a collection agency. If the debt collector yells at you, calls you at work, and threatens to have you arrested, understand that you have rights prohibiting such mistreatment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects you from being mistreated by third-party debt collectors and strictly penalizes any company that uses ruses like the following to make you pay.
- Leaving vague voice messages that don’t identify the caller as a debt collector
- Using an autodialer to leave a series of pre-recorded messages
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
- Ignoring you when you dispute the debt and tell them not to call again
- Calling you at work after you say that you can’t talk to them there
- Ignoring a cease and desist letter
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Company Profile: Worldzen Collection & Recovery
If you are being called by Worldzen Collection & Recovery, an overview of the company’s history and operation is below.
Worldzen Collection & Recovery, which also does business as Keane Worldzen LLC, is a debt collection agency located in Boston, Massachusetts. It was founded in 2002, has 20 employees, and is managed by its President, Karen Powell. Records archived at the PACER website indicate that consumers who felt that they were being harassed by Worldzen Collection & Recovery did not back down.
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Alleged Violations against Worldzen Collection & Recovery*
According to information on the PACER website, in or around October 2011, a California consumer checked his credit report and found a tradeline from Worldzen Collection & Recovery dated February 2011, although he could detect no permissible reason for the company to do so.
Feeling harassed by Worldzen Collection & Recovery, the consumer took the company to court for:
- Failure to provide him with notice and validation of the debt
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading methods to collect a debt
The matter was later settled.
![Called By Worldzen Collection & Recovery? Here's What to Know]()
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Hire a Consumer Lawyer
The phone number for Worldzen Collection & Recovery is 1-800-469-0136. If you ever see it on your caller ID, it means that that Worldzen Collection & Recovery is on the line and may be trying to collect a debt from you. If they pull your credit report without having a valid reason to do so, it can harm your access to future credit, so hire a consumer lawyer and file a claim against Worldzen Collection & Recovery to get the compensation that you are entitled to under the FDCPA, which is $1,000 per violation plus your legal fees.
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Additional Resources
*Case taken from PACER (pacer.gov). File number is Case 2:12-cv-04169-ODW-MAN from the United States District Court for the Central District of California.
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 Worldzen Collection & Recovery or any other third-party collection agency, you may not be entitled to any compensation.