If yes, then there are a few things you should keep in mind.
When the monthly payments on your financial responsibilities go downhill, sooner or later your creditors will land on a decision of assigning them to a third-party collection agency or attach them into a group of other bad debts and pass that along to a junk debt buyer for as low as pennies on a dollar.
In both the cases, you’ll soon receive letters and calls for the collection.
Although the debt collectors have the permission to reach you for the debt collection, there are limitations on what they can say and do.
The Fair Debt Collection Practices Act is a consumer protection law that has been in effect since 1977.
This law makes it illegal to force or threaten consumers into paying using tactics like these:
- Using disrespectful and obscene language
- Trying to contact you before 8:00 A.M and after 9:00 P.M your time
- Contacting you at work even when they are familiar with the fact that your workplace won’t let you take such calls
- Threatening to damage your credit unless you pay the debt
- Disclosing the debt details with anyone other than you, your partner, or your attorney
- Collecting an unauthorized amount or by the original creditor agreement
Unluckily, a plethora of debt collectors work on greed and shy from ethics and avoid the FDCPA at every opportunity.
Alleged Violations against Federal Adjustment Bureau Inc*
Federal Adjustment Bureau Inc, which is also recognized as FABCO, is a tenant screening and collection agency situated at Columbus, Ohio. It was established in 1943, concentrates on rental debt collections, and holds a decently sized staff.
Records archived at the PACER (Public Access to Court Electronic Records) website validate that Federal Adjustment Bureau Inc has been accused of violating the FDCPA when trying to accumulate delinquent rents.
James Welton v. Federal Adjustment Bureau, Inc d/b/a FABCO
Sometime before November 2014, Ohio resident James Welton brings upon himself a personal debt that was offered to Federal Adjustment Bureau Inc for collection.
The agency allegedly established contact at his workplace through the mail letter that was read by another member of staff. Mr. Welton felt offended because he had never permitted the agency to contact him at his workplace, nor had he offered the agency with any employer information.
In addition, the letter did not confirm his location but, rather, declared that Mr. Welton owed a debt.
After this, he emailed the agency to place a request that they should stop contacting him. But, they allegedly kept on calling him. Upset, he decided to hire a consumer attorney and file a complaint accusing the Federal Adjustment Bureau Inc. of the following FDCPA violations:
- Revealing to a third party that a debt is owed by him
- Disclosing to a third party that the announcement was made in relation to the collection of a debt
- Establishment of communication with a third party without his permission
- Make contact with him after getting a written notification to close down communications
The issue was later on resolved.
The phone numbers for Federal Adjustment Bureau Inc
If these numbers appear on your phone screen, a company’s agent might be trying to contact you for a debt.
The FDCPA forbids debt collectors from communicating with uninvolved third parties for any purpose other than locating you, so if they make others aware of your debt, contact with a professional debt consultant.
If you decide to take legal action against Federal Adjustment Bureau Inc, you could be granted $1,000 per FDCPA violation, as well as attorney fees, court costs, and any authentic damages that you may have endured.
When a debt collector breaches your rights, a professional help can get you the compensation you are worthy of.
*Case has been taken from PACER (www.pacer.gov). The file number is 2:15-cv-00318-GLF-TPK (the Court of Common Pleas of Franklin County, Ohio, Civil 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 Federal Adjustment Bureau Inc. or any other collection agency, you might not be entitled to any reimbursement.