Is the First National Collection Bureau, Inc. calling you? Here are the facts about the company that you need to know.
If you haven’t paid the students loans and credit card bills due to some reason, you may also be called by the debt collectors and they insist you to pay them. They won’t tell you the rights you have under the law as an indebted consumer.
Rights Under the FDCPA
For collecting the consumer debts, The Fair Debt Collection Practices Act requires third-party debt collector who behaves professionally during the debt collection. Any type of harassment and misleading plans like given below can result as fine and revocation of the license of the agency.
- Calling on off-timings like earlier than 8 am and after 9 am.
- Threating you by penalties or any other actions that they can’t take legally or have no intentions to take.
- Using abusing language or talking disrespectfully.
- Reveal your debt information in front of your friends, family or other people by calling them.
- Continously calling you at your workplace, after you have told that them not to.
- Telling you fake concepts like you will be arrested if you don’t pay them.
First National Collection Bureau, Inc.
If you are also called by First National Collection Bureau, Inc., company’s information is given below.
The First National Collection Bureau, Inc. was established in 1983 in McCarran Nevada. It is a debt collecting company having less than 10 employees an managed by its owner, Bradley L. Jardon.
The records held by the PACER (Public Access to Court Electronic Records) suggested that the people believed that First National Collection Bureau, Inc. harassed them by any of the above-mentioned manners, they can confront the company in the federal court.
Violations conducted by First National Collection Bureau, Inc.
Gloria Nancy Villarreal vs. First National Collection Bureau, Inc.
According to the pacer records, the First National Collection Bureau, Inc. sent a letter for collection to Indiana resident Gloria Nancy Villarreal on the month of July 2016 or around. The letter included that a Verizon debt had been purchased by Pinnacle Credit Services, LLC. The letter contained many parts, “[because] of the age of your debt, Pinnacle Credit Services, LLC will not sue you for it, and Pinnacle Credit Services will not report it to any credit reporting agency”.
Ms. Villarreal accessed her credit reports from the three credit reporting agencies on 23 August 2016 and all the agencies reported that her debt was in the collection status. After feeling harassed by the First National Collection Bureau, Inc., she hired a consumer attorney to sue the company for purposely disobey FDCPA in the following ways:
- Misrepresenting the character, amount, or legal status of the debt.
- Using unfair and unconscionable means to collect a debt.
The matter was later resolved.
The phone numbers for this collection agency are:
If you find any of them on your caller ID, it means the First National Collection Bureau, Inc. is calling you. If you have reported not to call you again and again, and they still call you then you can hire a consumer attorney. Misleading the consumer is illegal under the FDCPA. By filing the claim against the First National Collection Bureau, Inc. you would receive $1,000 per FDCPA violation.
Case taken from PACER (www.pacer.gov).
The file number is 2:16-cv-00381-JD-JEM from the United States District Court for the Northern District of Indiana, Hammond 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 National Collection Bureau or any other collection agency, you might not be entitled to any reimbursement.
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