Collection agencies, third party debt collectors, and junk debt buyers routinely use abusive tactics to achieve collection on their accounts. Many times these methods of collection are not only offensive and annoying, they are in violation of federal and state law. Consumer debtors in the United States are protected by a few very powerful statutes aimed at deterring abusive debt collection practices. However, harassment and abuse still occur. Because of this, these consumer protection laws provide for monetary damages for violations of their various rules. If you believe that you may have been the victim of harassment or abuse, the following are some potentially applicable statutes (click on each statute to learn more about when it can be invoked, and how it may apply to your situation):
Fair Debt Collection Practices Act (FDCPA)
Texas Debt Collection Act (TDCA)
Telephone Consumer Protection Act (TCPA)
Below is a partial list (very abbreviated) of some of the more pervasive collection agencies and junk debt buyers (a more complete list can be found here):
AFNI Collections, Palisades Collection LLC, Genesis Financial Solutions, Alegis Group, Global Acceptance, Alliance One, CACH, LLC, Credit Protection Association, L.P., Grant & Weber, Allied Interstate, Helvey & Associates, American Agencies, LTD Financial Services, Americredit, LVNV Funding, Applied Bank, Credit Counsel, Inc., Midland Credit Management, Arrow Financial Services, MRS Associates, ARS National, National Credit Systems, Asset Acceptance, Nationwide Credit, Asta Funding, NCO Financial, Bonneville Collections, North Shore Agency, Capital Management Services, Oxford Management Services, Capital Recovery, Palisades Collections, Cavalry Portfolio Services, Park Dansan, CBCS, Plaza Associates, Central Credit, Portfolio Recovery Associates, Central Financial Control, Resurgence Financial, Collect America, Squaretwo Financial Commercial Funding Corporation, Collectcorp, CACSI, RJM Acquisitions, Credigy, Southwest Credit Systems, Creditors Interchange, Unifund, CCR Partners, Diversified Adjustment, United Recovery Systems (URS), United Collection Bureau, Meridian Financial Services, Encore Capital Group, Wolpoff & Abramson, GC Services, Zenith Acquisition, Balanced Healthcare Receivables, LLC, I.C. System, Inc., Financial Recovery Services, Inc. (FRS), Credit Counsel, Inc., Southwest Credit Systems, LP, Monarch Recovery Management, Inc., Mercantile Adjustment Bureau, Protocol Recovery Service, Federal Bond and Collection Service (FBCS), Valentine & Kebartas, Inc., Scott Lowery/Law Office of P. Scott Lowrey.
There are many, many other collection agencies and junk debt buyers currently operating in the United States so feel free to submit an online inquiry or give us a call if you would like more information.