Are you being called by Covington Credit?* Here's what you need to know.
If you're being chased and threatened by debt collectors, feeling stressed and overwhelmed is normal, especially if they curse at you, embarrass you at work, and tell you that the police will arrest you if you don’t pay. Don’t be intimidated: there are laws to protect you from abusive debt collectors, and these same laws inflict harsh penalties on companies that go too far.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates what third party debt collectors may say and do while trying to collect a consumer debt. Activities like those below can cause an agency to be fined or even lose its license permanently.
- Using an autodialer to leave a series of prerecorded messages
- Claiming that you can be arrested or lose your children if you do not pay
- Failing to identify themselves as debt collectors trying to collect a debt
- Swearing and calling you names
- Calling you at work after you tell them that you can’t take personal calls there
- Leaving vague messages that do not identify the caller as a debt collector
Company Profile: Covington Credit
If you are being called by Covington Credit, information about the company is below.
Covington Credit is a financial services and debt collection company headquartered in Georgia and with a presence in Alabama, Oklahoma, South Carolina, Tennessee, and Texas. It was established in 1994, has hundreds of employees across its many branches, and is managed by its CEO Robert F. Bloom. Files retained at the PACER (Public Access to Court Electronic Records) website reveal that consumers who felt they were being harassed by Covington Credit retained consumer attorneys to help them fight for their rights.
Alleged Violations against Covington Credit
According to PACER, on September 23, 2016, a Georgia resident received a phone call from Covington Credit to collect an outstanding balance on a personal loan. During the conversation that followed, he said that he wanted no more calls made to his cell phone, but the calls allegedly continued, sometimes at the rate of four per day.
Feeling harassed by Covington Credit, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Harassing him by telephone
- Using an autodialer to contact him
- Calling his cell phone after being asked to stop
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If any of them appear on your caller ID when the phone rings, it means that you are being called by Covington Credit. If they keep harassing you by phone after being asked repeatedly to stop, hire a consumer attorney. Harassing consumers is against the law and if you file a claim against Covington Credit, you may potentially receive $1,000 per FDCPA violation plus legal fees and costs associated with the action. When a collector fails to follow the law when pursuing your debt, they could end up owing you money instead.
*Case taken from PACER (www.pacer.gov). File number is Case 1:17-cv-01830-WSD-CMS from the United States District Court for the Northern District of Georgia, Atlanta 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 Covington Credit, or any other third-party collection agency, you may not be entitled to any compensation.