Debt collectors can be ruthless, acting without regard for your rights. This is because experience has taught them that most consumers, unfamiliar with their rights, will cave in and pay sooner or later. Don’t let the same thing happen to you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, became law in 1977 to protect consumers against unethical debt collection practices. Under this law, collection strategies like the following are illegal and can get an agency fined or closed permanently.
- Using profane and obscene language
- Contacting you if the debt collector is aware that you are being represented by an attorney
- Pretending to be attorneys or police officers
- Calling you at work when your workplace doesn’t let you take such calls
- Telling your friends and family about the debt
- Claiming that you can be arrested if you do not pay
Company Profile: XServe Solutions, LLC
If you are being called by XServe Solutions, LLC, here is a general company background.
XServe Solutions, LLC is a debt collection agency in Hillside, Illinois. It was established in 2017, has fewer than five employees, and is managed by owner Esmeralda Peterson. A review of digitized records at the PACER website confirms that consumers who believed that they were being harassed by XServe Solutions, LLC responded to the unwanted contact by filing lawsuits.
Alleged Violations against XServe Solutions, LLC
According to information on the PACER website, on or around November 6, 201, XServe Solutions, LLC sent a collection letter that stated, in part, “the total balance due reflected above is correct as of the date of this letter,” implying that at a different date the amount may increase.
Feeling harassed by XServe Solutions, LLC, the consumer filed a claim against the company for allegedly:
- Failing to send a debt validation letter
- Providing misleading or inaccurate information about the debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-630-447-8227. If it flashes on your caller ID when the phone rings, be aware that you are being called by XServe Solutions, LLC.
If they send you collection letters that misrepresent what you owe or mislead you on your dispute rights, take action by hiring a consumer lawyer and filing a claim against XServe Solutions, LLC. You could receive compensation that includes $1,000 per FDCPA violation, so taking a stand can pay off.
Case taken from PACER (pacer.gov). File number is Case 1:18-cv-00263-MKB-PK from the United States District Court for the Eastern District of New York.
*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 XServe Solutions, LLC or any other third-party collection agency, you may not be entitled to any compensation.