Enacted in 1978, the Fair Debt Collection Practices Act (FDCPA) was passed to help protect consumers from unscrupulous debt collection practices. If you have a past-due debt and you are being harassed by Hillcrest, Davidson, and Associates, LLC, then they are violating the FDCPA. Sometimes consumers are harassed about a debt that they don’t even owe. You do have rights and you can file a claim against Hillcrest, Davidson, and Associates, LLC, for their FDCPA violations.
Hillcrest, Davidson, and Associates, LLC
Hillcrest, Davidson, and Associates, LLC, is a debt collection agency based in Richardson, Texas. They were established in 2008 and they use what is called a multi-tiered letter system, credit reporting, skip tracing, and litigation to pursue past-due debts from consumers that they believe are responsible for them.
The collection agency seems to primarily focus on the retail and commercial sectors, taking on defaulted contracts for things such as home security systems or other services. The company isn’t accredited by the Better Business Bureau, and they have a B rating with the BBB with 66 complaints closed during the last 3 years and 18 complaints in the last 12 months.
What Is A Debt Validation Letter? And Why Do You Need It?
If Hillcrest, Davidson, and Associates, LLC, has started calling you in attempts to collect a debt, then ask them some questions. Take advantage of your right to request a debt validation letter. This letter should prove that you are responsible for the debt, the initial creditor, the original amount owed, the current amount owed, and other details regarding the debt.
The collection agency has five days to respond to your request for debt validation, and if they fail to meet the deadline, they have violated the FDCPA. You can take legal action against them if they fail to adhere to the FDCPA requirements. Be sure to maintain documentation that shows you requested that they validate the debt.
Talk To An FDCPA Attorney Today
If Hillcrest, Davidson, and Associates, LLC, has failed to validate a debt upon your request, or if they are harassing you over a delinquent debt, then they could face legal consequences for violating the FDCPA. You can get the harassment to stop and end your stress by pursuing a claim against them. Consult with an FDCPA attorney who is licensed to handle such claims in your state. You will want to work with a lawyer who is familiar with debt collector harassment cases. Complete the Free Case Evaluation request form to have your information shared with a local FDCPA lawyer. Stop the harassment from Hillcrest, Davidson, and Associates, LLC, today, so you can regain control of the situation and put this debt collection situation behind you.
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*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Hillcrest, Davidson, and Associates, LLC, or any other third-party collection agency, you may not be entitled to compensation.