If your monthly bills have fallen behind, or if you are being falsely accused of owing a debt that isn’t your responsibility, there is help available. Enacted in 1978 to protect consumers and their loved ones from the harassment of debt collectors, the Fair Debt Collection Practices Act (FDCPA) has specific guidelines and can lead to harsh penalties.
Not all third-party debt collectors abide by the laws though. If you think that Lockhart, Morris, & Montgomery, Inc., has misrepresented themselves while collecting a debt, you may be able to pursue an FDCPA claim against them.
About Lockhart, Morris, & Montgomery, Inc.
Lockhart, Morris, and Montgomery, Inc., based in Richardson, Texas, also does business as Apex Receivables Management and Vocational Recovery Solutions. Established in 2004, the company currently has 20 to 49 employees. It is managed by John Hickman, the company owner.
There have been several lawsuits filed against the company by consumers who felt they were harassed and threatened during the collections process. The company has been accredited by the Better Business Bureau since 2012. There have been two complaints filed against the company in the last three years. They have an A+ rating with the BBB.
What Counts As Misrepresentation?
When a representative of Lockhart, Morris, & Montgomery, Inc., they must identify themselves, indicating who they are and the company that they are with. They cannot misrepresent the debt – including the amount of the debt, the statute of limitations for the collections process, the legal repercussions for failure to repay the debt, and other factors.
They cannot claim to be a police officer or with a government agency, such as the IRS. If Lockhart, Morris, & Montgomery, Inc., has misrepresented themselves, you could be eligible to recover compensation for your damages.
Damages That You May Be Entitled To Receive
If you are successful with your FDCPA claim against Lockhart, Morris, & Montgomery, Inc., you may be awarded statutory damages of $1,000. Actual damages, such as physical and emotional damages, lost wages, and garnished pay recovery.
The court could hold Lockhart, Morris, & Montgomery, Inc., responsible for the attorney’s fees as well. You can recover physical damages for easily proven ailments, such as rashes, migraines, and stress-induced heart problems.
End The Threats Today
If you believe that Lockhart, Morris, & Montgomery, Inc., misrepresented themselves to you while collecting a debt, there are harsh legal repercussions. Talk with an FDCPA attorney who represents clients who have suffered from creditor harassment.
You do have rights, and you can stop the harassment from Lockhart, Morris, & Montgomery, Inc. Complete the Free Case Evaluation Form to get connected with an FDCPA attorney who handles consumer law claims in your state.
*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 Lockhart, Morris, & Montgomery, Inc., or any other third-party collection agency, you may not be entitled to compensation.