Friday, August 12, 2011

Bill Collectors Calling the Wrong Consumer

Consumers with good credit ratings are getting harassed by debt collectors.  The reason is their names are similar to those on the bill collectors' lists.  There is no quick and easy solution to this problem.  However, you can ask for the name of the caller and the company.  Ask the bill collector to send written verification of the debt.  Keep a record of the date and time that the debt collector called.  By law, debt collectors must send you written confirmation within five days that states the creditor's name, the amount owed, and the procedures for disputing the debt.

A bill collector may try to intimidate you into paying a debt you do not owe.  If the debt collector is making threats or asking for personal information, it could be a scam.  Do not give out any personal information, such as your social security number, over the phone.

If bill collectors continue to call, even after being informed that they have the wrong person, there are federal and Florida laws to protect you.  Call us at 1-866-553-3272.

Tuesday, March 15, 2011

Debt Collection Agency Ordered Not to Use Facebook

Mark One Financial LLC (Mark One) of Jacksonville was ordered not to use Facebook to contact a St. Petersburg woman to collect $362 for an unpaid car loan.  In the lawsuit, the woman states that Mark One sent her and her relatives messages on Facebook telling her to call the company regarding the unpaid car loan.  In addition to using Facebook, the collection agency contacted her six to ten times a day by phone, sent her text messages, contacted her neighbor and sent a courier to deliver a letter to her workplace.

This is a violation of the Florida Consumer Collection Practices Act.