Collection agencies must adhere to legislation that was enacted to make them treat consumers with respect and to prevent the harassment of those who owe the debts. If you are late on a bill, it may be transferred to a collection agency. The Fair Debt Collection Practices Act (FDCPA) was enacted in 1978 to help keep collection agencies in line.
There are resources available to consumers like yourself, so you can get help if you are the victim of an unscrupulous debt collector. If the FDCPA was violated by SIMM Associates, Inc., you can file a claim against them for your behavior.
SIMM Associates, Inc.
SIMM Associates, Inc., is a third-party collection agency that doesn’t buy or own debt, but instead, collects it for other customers. Established in 1991, it has more than 200 employees. The call center is based in Newark, Delaware.
The company has been accredited with the Better Business Bureau since 2017. The company has an A rating. During the last 3 years, it has resolved 50 customer complaints. Most those complaints are for billing and collections issues, such as the lack of the validation of the debt or collecting the debt from the wrong consumer.
What Is a Debt Validation Letter? And Why Do You Need It?
You should ask any collection agency, such as SIMM Associates, Inc., to validate any debt. If you don’t think the total amount of the debt is right, or if you don’t believe it is your debt, you should ask them for a debt validation letter.
When the debt is validated, they must send you notification in writing. The letter must include the original creditor’s name, the original amount of the debt, the current amount you owe, and other details to prove that you owe the debt in question.
There is a five-day leeway period for the collection agency to respond to your request. If they don’t respond within the timeframe, or if they violate the FDCPA, they can face harsh penalties and you can pursue a claim against them.
Talk To an FDCPA Attorney Today
If SIMM Associates, Inc. has violated the FDCPA, or if you are being harassed by them during the collections process, consult with an FDCPA attorney who is licensed in your state. When you enlist the help of a lawyer who specializes in debt collection harassment claims, you are much more likely to have a successful claim against SIMM Associates, Inc.
Complete the Free Case Evaluation request form on this page so your information can be shared with a local FDCPA lawyer who will review your claim and determine how to take action against SIMM Associates, Inc. and recover compensation for your damages suffered by their illegal actions.
*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 SIMM Associates, Inc., or any other third-party collection agency, you may not be entitled to compensation.