Are you being called by Wyoming Credit Association, Inc.?* Here's what you need to know
Debt collection is an unpopular profession for a reason. They chase you for money you don’t have and yell at you when you can’t pay what they are demanding. If you’re dealing with an especially vindictive debt collector, the good news is that you have rights that these companies can’t legally ignore no matter how much you owe.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a consumer protection law that regulates what third-party debt collectors may say and do when trying to collect a debt from you. It prohibits abusive tactics like those below.
- Using profane or obscene language
- Refusing to validate the debt and prove that they are authorized to collect it
- Making legal threats they have no intention of following up on
- Calling at all hours of the day and night
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Failing or refusing to identify themselves as debt collectors trying to collect a debt
Company Profile: Wyoming Credit Association, Inc.
If you are being called by Wyoming Credit Association, Inc., information about the company is below.
Wyoming Credit Association, Inc. is a debt collection company located in Evanston, Wyoming. It was established in 1951, has less than 10 employees, and is managed by owner Josephine Walton. Litigation files viewable at the PACER (Public Access to Court Electronic Records) website indicate that indebted people who believed they were being harassed by Wyoming Credit Association, Inc. hired their own attorneys to push for compensation.
Alleged Violations against Wyoming Credit Association, Inc.
James Knight vs. Wyoming Credit Association, Inc.*
According to PACER, in early 2017 Wyoming Credit Association, Inc. began contacting Wyoming resident James Knight to collect a consumer debt. He later alleged that in January 2017 he spoke to collectors who threatened him and said they had “other ways of collecting.” One collector allegedly called Mr. Knight’s employer and threatened to take the employer to court if the debt was not paid.
He finally entered into an oral agreement to have $50 removed from his personal checking account every fourth Friday, but claimed that collectors kept requesting payment of $100 a month from him.
Feeling harassed by Wyoming Credit Association, Inc., Mr. Knight hired a consumer attorney and sued the agency for allegedly violating the FDCPA in the following ways:
- Discussing his debt with his employer
- Using harassing and abusive language
- Using false, deceptive and misleading means to collect a debt
The matter was later settled.
Hire an Attorney
The phone number for this debt collection office is 1-307-789-1362. If you see it on your caller ID in response to an incoming call, it means that you are being called by Wyoming Credit Association, Inc.. If they verbally abuse you and discuss your debt with your employer, hire a consumer attorney who can help you file a claim against Wyoming Credit Association, Inc.. If you win your case, you may be awarded $1,000 per FDCPA violation and plus any applicable damages and costs. No matter how much you owe, you have rights that debt collectors cannot violate.
*Case taken from PACER (www.pacer.gov). File number is Case 17-CV-73F from the United States District Court for the District of Wyoming.
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 Wyoming Credit Association, Inc., or any other third-party collection agency, you may not be entitled to any compensation.