Is FMA Alliance Ltd buzzing on your phone all the time? It’s time to know about your rights which guide you to protect yourself.
When debt collectors keep on calling constantly, answering their calls can increase the stress levels.
When the collectors become rude and aggressive to get their money back, this situation forces you to appeal bankruptcy to stop the harassment.
Before taking a big step, remember that the unpleasant behavior of debt collectors is against the law.
Here because you owe money to them, you don’t abuse them, but also don’t need to tolerate the rude behavior of collectors who call you all the time and treat you badly.
Are they harassing you also? Then you need to know, that you can take them to the court.
Facts like the following are illegal and it can result in fines if you take the matter in court.
- Calling you all day, even at the odd timings like before 8:00 A.M or after 9:00 P.M.
- Using abusive languages and behaving rudely.
- Informing your details that you owe the money to your friends and co-workers.
- Threatening you by saying that you might get arrested or seize your house if you don’t pay the amount.
- Demanding for the amount that you don’t owe and not even mentioned in the agreement.
- If they try to contact you even though you have ceased the communication.
Violations against FMA Alliance Ltd
FMA Alliance Ltd established in 1983, and it is a collection agency and has a staff of 10 employees, located in Houston, Texas. It collects debts in Texas, Colorado, Massachusetts, New York, Minnesota, Tennessee, and North Carolina.
All the records are received from The PACER (Public Access to Court Electronic Records) website, it confirms that FMA Alliance Ltd has been blamed that it refuse the orders of the FDCPA during its process of debt collection.
John Kenneth Stapinski v. FMA Alliance Ltd
Around December 4, 2014, John Stapinski in New Jersey received a collection letter about the debt from FMA Alliance Ltd.
The letter stated to contain a various part, “As of the date of this letter, you owe $3384.15. Because of interest and other charges assessed under your account agreement, the amount you owe may continue to increase.”
Mr. Stapinski felt that the letter didn’t give the appropriate knowledge about the amount of debt, as they declared that the amount of current balance may increase. This causes him the doubt and confusion about the total amount that is owed or in the future.
Again he received another letter in Feb 2015, that contained the same statement. This time Mr. Stapinski responded by filing an action in court and blaming FMA Alliance Ltd that it did the following FDCPA violations:
- Represent the wrong information of character, status or amount of the debt.
- Threatening by the legal action that they didn’t actually mean to take.
- Attempted wrong means to collect the debt amount.
Later, the matter resolved
The contact number of FMA Alliance Ltd is:
If these two ever show on your caller ID, it simply means that the collectors are again trying to contact you about the debt.
If the collectors are giving you unclear information of debt, it definitely demands your rights, then hire a consumer attorney.
The wrong information about the debt and the unclear statement is against the law, for taking the action against this, you could be rewarded by the $1,000 per FDCPA violation and attorney fees and court costs also. If the collectors forget your rights this law will force to remember it.
*Case has taken from PACER (www.pacer.gov).
File number- 2:15-cv-08618-MCA-MAH
Address- United States District Court, District of New Jersey.
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 FMA Alliance LTD or any other collection agency, you might not be entitled to any reimbursement.