McKinney, TX (PRWEB) January 20, 2016
Our FDCPA Compliance Department is dedicated to helping Clients who are receiving communications from debt collectors. The FDCPA protects consumers whenever a debt collector is communicating with them. The goal of the FDCPA Compliance Department is to determine if any laws have been violated and, if so, to work with the client in order to prepare a case. If the case is considered to be viable, it is then turned over to an attorney, whose goal it is to assist the client in pursuing the debt collector.
Here are some actual results from the FDCPA Compliance Department. The amounts shown are the approximate amounts received by clients:
JEREMY - One collector called Jeremy a "deadbeat" and threatened to sue him. Another agency threatened to sue Jeremy and have him served with the lawsuit in front of co-workers. RESULT: 2 Cases with approximately $7,500 in his pocket.
JOHN - One collector left a voice mail message threatening a lawsuit. Another collection agency threatened to garnish John's wages without judicial proceedings. Another agency implied that it was a law firm. RESULT: 3 Cases with approximately $10,000 in John's bank account!
JULIA - Received a call from a Debt Collector who implied that he was a 'process server' and that a lawsuit had been filed against her. RESULT: Approximately $3,300 in Julia's bank account, plus forgiveness and removal of the $11,000 collection account!
TAMMY - Tammy had disputed an account on her credit report that she had paid but still showed a balance. The Credit Reporting Agencies, Original Creditor, and Debt Buyer ignored her disputes. RESULT: 1 Case with approximately $8,500 paid to Tammy!
MIKE - When the collector and the collector's supervisor both told Mike that his $8,500 apartment collection would show up on his Renter's Report indefinitely, they had violated the Fair Credit Reporting Act and the Fair Debt Practices Act. RESULT: Forgiveness of the $8,500 apartment collection, removal from Mike's credit report and $750 in his pocket to pay the $1,100 judgment from the owner of the apartment.
JOHN - After a lot of digging, we found four lawsuits for this client based on illegal collection practices that were being used against him. One collector called an ex-wife and discussed the debt and two others failed to inform John that the calls were from a debt collector. While one of these claims remains open, three claims have resulted in a net payment to John in the amount of about $2,500, cancellation of approximately $5,600 in debts and removal of two items from his credit report.
If you would like to find out if a Collector may have violated the law, give Ron Reed a call at (214) 504-7102, or email at r(dot)reed(at)ncs700(dot)com.