Shield yourself from the abuse of First Federal Credit Control, Inc.
According to a study, 35% of Americans are still under the mountain of unpaid debts in collections. This states that thousands of people are facing the debt collectors on a daily basis, and most of these encounters are agreeable or in some cases, even civil.
Luckily, the law stands on your side to protect you from harassment and bullying, regardless of how much you owe.
Know Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) provides consumers with the right to disagree with a debt and ask a collector to seize any communication with them. It also derails the use of the following tactics to collect or engage an attempt for debt collection.
- Contacting you early in the morning (before 8:00 a.m.) and late night (after 9:00 p.m.) according to your time zone.
- Calling you at your workplace after being requested to avoid doing that.
- Collecting amounts that surpass the original debt.
- Threatening you with the statement of actions that they can’t legally take or have no objective of taking.
- Sharing the information with your friends, neighbors, and co-workers that you owe money and they are from the collection agency.
- Contacting you using abusive or obscene language.
First Federal Credit Control, Inc
First Federal Credit Control, Inc, a debt collection company, situated in Cleveland, Ohio. was founded in 1970. They have 50 to 99 employees under them, and is handled by Bill Evans. This agency has been named in the subject of 72 complaints to the BBB in the last 3 years.
Records present on the PACER (Public Access to Court Electronic Records) website states that First Federal Credit Control, Inc has been sued for suspected FDCPA violations over the years.
Alleged Violations – First Federal Credit Control, Inc
Jack Kryzaniak, Independently and on the Behalf of All Others Similarly Situated vs. First Federal Credit Control, Inc
In accordance with PACER, on or about September 7, 2012, First Federal Credit Control, Inc mailed a debt collection letter to Wisconsin resident Jack Kryzaniak regarding a debt supposedly owed to Time-Warner cable.
Here is the computer-generated letter, which was allegedly the first communication sent to Mr. Kryzaniak:
“Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.”
Mr. Kryzaniak strongly believed that the content (language) in the letter needed the consumer to place a request for the verification of the debt, when the statute in fact needs a consumer to dispute the debt so that to set off the validation process.
He consulted a consumer attorney and then filed a class action lawsuit against First Federal Credit Control, Inc accusing of the following FDCPA violations:
- Unable to comply with debt validation notice needs.
- Using fake and deceiving means for the collection of a debt.
It was later resolved.
The phone numbers for First Federal Credit Control, Inc are:
If either of these numbers show on your caller ID, it means that this company’s debt collector might be trying to establish contact with you about an outstanding debt you allegedly owe. In case they send letters that don’t stand your rights under the FDCPA, take professional help.
In addition, if the case finds a court and you win, a judge could order First Federal Credit Control, Inc to pay you $1,000 per FDCPA violation, plus the other fees, court costs, and any authentic damages.
Standing up to a debt collector can help you get paid off.
Case taken from PACER (www.pacer.gov).
The file number 2:13-cv-00136-LA from the United States District Court, Eastern District of Wisconsin, Milwaukee Division
Disclaimer: The given content in this article has a clear objective of providing information and one should refrain from using it as a legal advice. If you go for filing a claim against First Federal Credit Control, Inc, or any other collection agency, you might not be entitled to any reimbursement.