Are you being called by Brown & Joseph Ltd.?* Here's what you need to know.
If debt collector harassment has you afraid to answer your phone or open your mail, it’s time to take action. Many collection agencies try to get your money by intimidating and lying to consumers, but such behavior is illegal. Read on to learn more about your rights as an indebted consumer.
Your Rights Under the FDCPA
Although the Fair Debt Collection Practices Act (FDCPA) requires debt collectors to be civil and professional when collecting debts, pressure tactics like those below happen frequently enough to warrant thousands of complaints to the Federal Trade Commission every year.
- Using profane or obscene language
- Persisting in trying to collect a disputed debt
- Discussing the debt with unauthorized third parties such as your friends, family, and co-workers
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Making threats they cannot legally carry out
- Calling you at work if they know or have reason to know what such calls are not allowed
Company Profile: Brown & Joseph Ltd.
If you are being called by Brown & Joseph Ltd.., information about the company is below.
Brown & Joseph Ltd. is a debt collection agency located in Itasca, Illinois. It was established in 1996, has over 50 employees, and is managed by its President, Kevin Walsh. According to litigation records on file at the PACER (Public Access to Court Electronic Records) website, several consumers who believed they were being harassed by Brown & Joseph Ltd. went to court to bring the unwanted communications to a halt.
Alleged Violations against Brown & Joseph Ltd.
According to PACER, on November 25, 2015, Brown & Joseph Ltd. sent a collection letter to an Indiana consumer, demanding payment for an insurance debt. This letter stated that the “Assign Amount” was $177, that the “Fee & Other Amount” was $20, but then stated that the “Total Amount” was $222, instead of $197.00.
Feeling harassed by Brown & Joseph Ltd., the consumer hired a consumer attorney and filed a class action lawsuit against the company for allegedly violating the FDCPA by:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are:
If you see either one on your caller ID, it means that you are being called by Brown & Joseph Ltd.. If they send letters demanding amounts that literally don’t add up, hire a consumer attorney. Misleading consumers in this manner is illegal, and if you file a claim against Brown & Joseph Ltd. and win, you could be awarded $1,000 per FDCPA violation plus damages and associated costs.
When debt collectors go too far, the law gives you the resources to assert your rights.
*Case taken from PACER (www.pacer.gov). File number is Case 1:16-cv-00368-SEB-MJD from the United States District Court for the Southern District of Indiana, Indianapolis 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 Brown & Joseph Ltd.., or any other third-party collection agency, you may not be entitled to any compensation.