If you are falsely accused of owing a debt that isn’t yours, or if you have fallen behind on a debt, you do have resources available to help you. Enacted in 1978, the Fair Debt Collection Practices Act (FDCPA) was created to stop third-party debt collectors from harassing consumers and their loved ones. While the FDCPA is strict, not all third-party collection agencies abide by it. If you think that CMRE Financial Services, Inc., misrepresented themselves while collecting a debt, you may be eligible to pursue an FDCPA against the third-party debt collector.
CMRE Financial Services, Inc., based in Brea, California, is a third-party debt collection agency. The company was established in 1996 and operates under many names, including Radiology Associates of Nevada, Physicians Business Bureau, and Florida Emergency Physicians. The company has more than 300 employees and focuses on the collection of medical debt. The company isn’t accredited by the Better Business Bureau, but it does have an A+ rating. The company has had 37 customer complaints closed during the last 3 years and 12 complaints closed during the last 12 months.
What Counts As Misrepresentation?
When you are called by CMRE Financial Services, Inc., they are required to identify themselves. The representative must identify himself or herself and indicate that they are with CMRE Financial Services, Inc. They must properly represent the legal repercussions for failing to pay the debt, the status of the debt, the statute of limitations for the debt collection, and other details. The representative cannot falsify the details or who they are. CMRE Financial Services, Inc., cannot claim to be law enforcement, and they cannot allege that they are with a government agency, such as the IRS. If CMRE Financial Services, Inc., or its representatives misrepresent themselves, you could be eligible to pursue an FDCPA claim against them and recover damages.
Damages That You May Be Entitled To Receive
If your claim against CMRE Financial Services, Inc., is successful in court, you may be able to recover $1,000 for statutory damages. The court can also award emotional and physical damages plus lost wages and garnished pay. The court can order CMRE Financial Services, Inc., to cover the legal fees associated with your claim. When physical damages are awarded, it is for easily proven ailments, such as stress-induced heart issues, tension headaches or migraines, and rashes or skin conditions.
End The Threats Today
If you believe that CMRE Financial Services, Inc., has misrepresented themselves while collecting a debt, there are legal repercussions. You should consult with an FDCPA lawyer who practices in your state and handles cases focusing on creditor harassment. You do have rights, and you can stop the harassment from CMRE Financial Services, Inc. Complete the Free Case Evaluation Form so you can connect an FDCPA attorney handling consumer law matters in your area.
*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 CMRE Financial Services, Inc., or any other third-party collection agency, you may not be entitled to compensation.