Is Your Collection Solution, Inc calling you? Here’s what you need to know
Of all the people we hate hearing from, debt collectors rank close to number one. They can be rude, unpleasant and demanding. If they refuse to agree to a payment plan we can afford, the calls and letters will be a constant and stressful presence.
Sometimes personal bankruptcy looks tempting as a way to escape the harassment, but before you go that far, learn more about your rights first.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was established in 1977 in response to consumer complaints about abusive debt collection agencies. Once passed, FDCPA made it illegal for third-party debt collectors to use tactics like those below to settle a debt:
- Using profane and obscene language
- Demanding outrageous amounts that exceed the amount of the original debt
- Telling your friends, coworkers, and neighbors that they’re trying to collect a debt from you
- Threatening to damage your reputation and credit rating
- Calling you at work after you’ve told them that your workplace doesn’t allow such calls
● Telling you that you can be arrested or sent to jail
Company Profile: Your Collection Solution, Inc
Your Collection Solution, Inc is a debt collection company located in Pembroke Pines, Florida. It was established in 2001, has less than 10 employees, and is managed by its President, Jeffrey Rosner.
Litigation records on file at the PACER (Public Access to Court Electronic Records) website reveal that the agency has been accused of debt collection practices that violate the FDCPA.
Alleged Violations against Your Collection Solution, Inc
Mark Robinson vs. Your Collection Solution, Inc**
According to PACER, on or about March 25, 2010, Your Collection Solution, Inc sent Nebraska resident Mark Robinson a collection letter regarding a medical debt allegedly incurred in 2002.
The letter stated that the agency had reported the debt to the credit bureaus, but would remove the derogatory information if he immediately paid the balance in full.
Mr. Robinson later claimed that on or about March 29, 2010, he received a call from an agency representative after 9:00 p.m. He insisted that he believed the debt had already been paid in full, but the collector allegedly replied that if he did not immediately pay, the allegedly erroneous information would be reported to the credit bureaus.
The next day, March 30, Your Collection Solution, Inc collectors allegedly called him three times in one day.
Stressed and frustrated, Mr. Robinson hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Communicating with him after 9:00 p.m.
- Using harassing and oppressive means to collect a debt
- Causing his phone to ring repeatedly with the intent to annoy, abuse or harass him
- Threatening to take action that could not legally or was not intended to be taken
- Threatening to communicate inaccurate credit information
- Using false representation and deceptive means to collect the debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for Your Collection Solution, Inc are:
If the phone rings and you see either of these numbers on your caller ID, a debt collector is calling. If they threaten to report inaccurate information to the credit bureaus and call you at a harassing rate of frequency, hire a consumer attorney who can help you sue Your Collection Solution, Inc.
You could potentially be awarded $1,000 per FDCPA violation as well as attorney’s fees, court costs, and any actual damages. Fighting for your rights sends the message that when a debt collector crosses the line, expensive consequences await.
**Case taken from PACER (www.pacer.gov). File number is 4:10-cv-03093-CRZ from the United States District Court, District of Nebraska.
*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 Your Collection Solution, Inc or any other third-party collection agency, you may not be entitled to any compensation.