Federal law governs the third-party debt collection process, and some debt collection agencies, and debt collectors, play by the rules—or mostly by the rules. Unfortunately, many do not. Some of the largest debt collection agencies in the country have been sued repeatedly and successfully, both by consumers and by agencies that protect consumer rights.
Shady debt collectors count on consumers not knowing their rights, or being too stressed out, beaten down, and demoralized to fight back. All too often, they get their way. People deep in debt and struggling to keep the mortgage paid and food on the table are often stretched too thin, and no one is in prime fighting mode when he or she is feeling discouraged and under constant pressure.
But, you don’t have to let debt collection agencies abuse, harass, or lie to you.
The Fair Debt Collection Practices Act (FDCPA) and other state and federal statutes provide remedies for consumers who have been subjected to bad debt collection practices. Often, the consumers are even entitled to financial compensation.
Barshay Sanders Sues Debt Collectors Who Don’t Follow the Rules
The attorneys at Barshay Sanders have successfully sued hundreds of debt collectors for abusive tactics, deceptive practices, and other violations of consumer protection statutes such as the FDCPA. In representing thousands of consumers who have been victimized by debt collection agencies, we’ve litigated claims against debt collectors large and small, local and national.
We’ve also seen certain debt collectors crop up again and again, accused of multiple, repetitive deceptive or abusive practices. For example:
- Midland Credit Management, Inc. (MCM): Midland Credit Management is a large, national debt collection agency that lays claim to having “helped over 6 million consumers gain control over their financial obligations.” In reality, the company works with affiliates that buy up unpaid debt for pennies on the dollar, then turn those debts over to MCM for collection. MCM has been the subject of multiple class action lawsuits on a variety of grounds, including violations of the Telephone Consumer Protection Act (TCPA), unlawful practices in attempting to collect time-barred debts, and falsely threatening legal action.
- Professional Claims Bureau, Inc. (PCB): Professional Claims Bureau describes itself as a “healthcare revenue cycle management” expert. While the company does provide other services to healthcare providers, its operation includes a massive medical debt collection arm, and PCB has been sued for a variety of claims under the FDCPA.
- Portfolio Recovery Associates (PRA): Portfolio Recovery Associates is one of the nation’s largest debt buyers. PRA is a publicly traded company with more than 5,000 employees. The company files hundreds to thousands of lawsuits around the country each month and has been sued for a variety of violations, including robo-calling and false reporting of balances after settlement.
Barshay Sanders has sued each of these three large debt collection agencies more than 100 times, fighting for the rights of consumers who have been deceived, threatened, cursed at, or otherwise had their rights under the FDCPA and certain other consumer protection statutes violated. But, these debt collection agencies represent only a small fraction of debt collectors who don’t play by the rules. As one of the largest filers of these cases, we have also filed more than 50 lawsuits each against:
- United Collection Bureau, Inc.
- ARS National Services, Inc.
- Allied Interstate LLC
- Retrieval-Masters Creditors Bureau, Inc. d/b/a American Medical Collection Agency
- Client Services, Inc.
- Northland Group, Inc.
- Enhanced Recovery Company, LLC
- International Recovery Associates, Inc.
- MRS BPO, LLC
- Convergent Outsourcing, Inc.
- Computer Credit, Inc
- Sunrise Credit Services, Inc.
- United Recovery Systems, LP k/n/a Alltran Financial, LP
- Transworld Systems Inc.
- Nationwide Credit, Inc.
Experience Counts in Debt Collection Agencies Litigation
Even if you’re in debt and have fallen behind on your payments, you have rights. If you’ve fallen victim to a dishonest or abusive debt collector, you owe it to yourself and your family to learn more about your rights and options. You can take the first step right now by scheduling a consultation with an experienced consumer financial protection attorney.