Collection agencies can be your worst nightmare when they’re trying to collect money that you can’t afford to pay. Sometimes the communications can be so intense that you’re tempted to declare bankruptcy to stop the harassment.
Before taking that step, understand that you have the right and legal standing to make it stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that restricts what a collection agency can do to collect money from you. Any debt collectors that use these types of abuses to harass you into paying have broken the law and can face serious consequences.
- Saying they have court papers to serve on you when no lawsuit has ever been filed
- Shouting and swearing at you
- Calling you in the middle of the night
- Ignoring your written request to cease communications
- Adding high and illegal ‘fees’ to the original debt
- Using an auto-dialer to send nonstop calls to your cell phone
- Saying that you can be arrested for not paying a debt
Company Profile: Brown's New Credit Bureau
If you are being called by Brown's New Credit Bureau, the company’s general background is below.
Brown's New Credit Bureau is a debt collection agency located in Yuma, Arizona. It was established in 1970, has a small staff of 10 employees, and is managed by owner Herman Brown. The company has an F rating with the Better Business Bureau.
The PACER website retains litigation records confirming that consumers who felt they were being harassed by Brown's New Credit Bureau stood firm and refused to be intimidated into paying what they could not afford or did not believe they owed.
Alleged Violations against Brown's New Credit Bureau
According to PACER, in or around mid-2017 Brown's New Credit Bureau started trying to collect a debt from an Arizona consumer. On August 15, the consumer called the agency to inquire about the debt. During the call, the collector allegedly attempted to solicit payment again.
When the consumer asked how long the debt would be reported on his credit report, the company representative allegedly replied that it would be reported for seven to ten years, and that the exact time period was at the discretion of the credit reporting agency when this is actually not the case.
Feeling harassed by Brown's New Credit Bureau, the consumer hired an FDCPA attorney and sued the company for allegedly using false, deceptive, and misleading means to collect a debt.
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Brown's New Credit Bureau are:
If they appear on your caller ID, it means that Brown's New Credit Bureau is reaching out to you. If they give you inaccurate information about how a debt can impact your credit report, call a consumer attorney and consider filing a claim against Brown's New Credit Bureau.
Debt collectors who mislead consumers can be ordered to pay you $1000 for each violation of the FDCPA, so acting on your rights can be worth it in every sense of the word.
Case taken from PACER (pacer.gov). File number is Case 2:17-cv-03613-DMF from the United States District Court for the District of Arizona.
*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's New Credit Bureau or any other third-party collection agency, you may not be entitled to any compensation.