Few professionals are as feared or despised as debt collectors. Although there are many collection agencies that obey the law and treat consumers with respect, the ones who shout at, manipulate, and otherwise mistreat their targets give them a bad name.
This is why federal laws are in place to give people the legal standing to tell such collectors to stop contacting them and sue them if they refuse.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, has firm guidelines for what third-party collection agencies can and cannot do. This means that if a debt collector uses methods like these to collect money, they can be fined and forced to compensate the consumer.
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you at work when they know that such communications are not allowed
- Pursuing you for a time-barred debt
- Failing to validate the debt within five days of initial contact
- Calling you directly when you have retained an attorney regarding the debt
- Pretending to be attorneys and law enforcement officers
Company Profile: Bull City Financial Solutions
If you are being called by Bull City Financial Solutions, more information about the agency is available below.
Bull City Financial Solutions is a debt collection agency located in Durham, North Carolina. It was founded in 1975, has 100 employees, and is managed by its President, J. Lee Walston, Jr.
Digitized files at the PACER website include data confirming that people who believed they were being harassed by Bull City Financial Solutions challenged the company to prove its claims.
Alleged Violations against Bull City Financial Solutions
According to PACER, in or around early 2018 Bull City Financial Solutions began contacting a North Carolina consumer about a utility debt. He claimed that he had never been contacted about the debt before it was reported to the credit bureaus, and was surprised to find out that when he applied for credit cards, he received such high interest rates.
A check of his credit report confirmed that the alleged debt was being reported. Feeling harassed by Bull City Financial Solutions, the consumer hired legal counsel and sued the company for allegedly using false, deceptive, and misleading means to collect a debt.
The matter was later resolved.
Hire a Consumer Lawyer
The phone numbers for Bull City Financial Solutions are:
Seeing them on your caller ID when the phone rings confirms that Bull City Financial Solutions is attempting to contact you. If you notice a negative notation on your credit report and don’t recognize it, make an appointment with a consumer attorney who can help you file a claim against Bull City Financial Solutions.
If you win your case, the agency could be ordered to compensate you with statutory damages and coverage of your legal fees. Don’t passively accept harassment when you have options for compensation.
Case taken from PACER (pacer.gov). File number is Case 5:18-cv-00031-GCM from the United States District Court for the Western District of North Carolina, Statesville 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 Bull City Financial Solutions or any other third-party collection agency, you may not be entitled to any compensation.