Are you being called by Bath Credit Services?* Here's what you need to know.
In some circumstances, debt collectors can be little more than bullies. When you can’t pay what they are demanding, they raise their voice, insult your financial responsibility, and make threats that can leave you sweating. If you’re faced with a situation like this, you need to know that such actions on the part of a debt collector are illegal, and you can take action to make it stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that governs the collection behaviors of third-party collection agencies. Since 1977, when the law was passed, tactics like the following have been illegal and can subject an agency to major financial penalties.
- Cursing and calling you names
- Calling you at inconvenient times and places
- Contacting you if the debt collector is aware that you are being represented by an attorney
- Pretending to be attorneys or police officers
- Using an autodialer to contact you nonstop
- Telling you that you can be arrested and sent to jail if you don’t pay
Company Profile: Bath Credit Services
If you are being called by Bath Credit Services, information about the company is below.
Bath Credit Services is a debt collection company located in Bath, New York. It was established in 1976, has less than 10 employees, and is managed by its President, Donna Simonson. The agency indicates on its website that it serves the debt-collection needs of a variety of industries, including retail, medical, and housing. A review of litigation records at the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed they were being harassed by Bath Credit Services refused to be threatened or pressured into debt payments they could not afford.
Alleged Violations against Bath Credit Services
Jean Nowicki vs. Bath Credit Services*
According to PACER, on May 16, 2013, Bath Credit Services sent a collection letter to Florida resident Jean Nowicki demanding $1,457.50 for an alleged utility debt. The letter stated in part that any dispute had to be submitted in writing within 30 days, but document itself was undated.
Feeling harassed by Bath Credit Services, Ms. Nowicki hired a consumer attorney and sued the company for allegedly violating the FDCPA by making her dispute rights unclear.
The matter was later settled.
Hire an Attorney
The phone number for this debt collection agency is 1-607-776-7689. If it appears on your caller ID in response to an incoming call, it means that you are being called by Bath Credit Services. If the company sends you a demand letter that makes your dispute rights unclear, hire a consumer attorney who can advise you and, if necessary, help you file a claim against Bath Credit Services. If you win your case, you may be awarded $1,000 per FDCPA violation plus court costs, reasonable attorney fees, and any other costs associated with pursuing the claim. Never let a debt collector scare you into forgetting your rights.
*Case taken from PACER (www.pacer.gov). File number is Case 5:14-cv-00182-ACC-PRL from the United States District Court for the Middle District of Florida, Ocala Division.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Bath Credit Services, or any other third-party collection agency, you may not be entitled to any compensation.