Financial problems are a major source of stress, especially when you can barely make it from paycheck to paycheck. When you fall behind in your debt payments, it gets even worse because debt collectors soon get involved. However, if the collector is rude and intent on harassing you, remember that consumers do have rights no matter how much money they owe.
Your Rights Under the FDCPA
Over forty years ago, Congress passed the Fair Debt Collection Practices Act, or FDCPA, which prohibits debt collectors from using harassing and manipulative tactics like the ones below to get your money:
- Make threats they cannot legally carry out or have no intention of carrying out
- Use profane or obscene language
- Demand outrageous amounts that exceed the amount of the original debt
- Call you outside of the 8:00 a.m. - 9:00 p.m. time frame in your time zone
- Discuss the debt with anyone except you, your spouse, attorney and any co-signers
- Pretending to be police officers or government agents
Company Profile: Delta Outsource Group, Inc.
If you are being called by Delta Outsource Group, Inc. information about the company is below.
Delta Outsource Group, Inc. is a debt collection agency located in O’Fallon, Missouri. It was established in 2009, has 51-200 employees, and is managed by its President, Jim Peacock. According to the company website, it is a member of the Missouri Collectors’ Association.
Records archived at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Delta Outsource Group, Inc. responded with lawsuits of their own.
Alleged Violations against Delta Outsource Group, Inc.
Plaintiff vs. Delta Outsource Group, Inc. et al*
According to PACER, in or around the fall of 2014 Delta Outsource Group, Inc. started trying to collect a debt from a New York resident.
She later complained that the messages left on her voicemail did not properly disclose the caller’s identity as a debt collector trying to collect a debt.
One message the Plaintiff received on or around October 29, 2014 allegedly stated in sum and substance that she was to call Shay from Delta Outsource Group at 1-800 364-1895. At the time she received it, she did not know that it was a debt collection attempt.
Feeling harassed by Delta Outsource Group, Inc., the Plaintiff hired a consumer attorney and filed a class action lawsuit against the company for allegedly violating the FDCPA in the following ways:
- Failing to identify itself as a debt collector in all communications
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire an Attorney
The phone number for this collection agency is 1-800 364-1895. If it appears on your caller ID when the phone rings, be aware that you are being called by Delta Outsource Group, Inc.
If they leave messages that do not properly disclose the company name or fact that they are trying to collect a debt, hire a consumer attorney. This lack of transparency violates the FDCPA, and if you file a claim against Delta Outsource Group, Inc. and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages.
Never assume that a debt collector can threaten and bully you with impunity. The law is definitely on your side.
*Case taken from PACER (www.pacer.gov). File number is Case 1:15-cv-05236-PKC-SMG from the United States District Court for the Eastern District of New York.
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 Delta Outsource Group, Inc., or any other third-party collection agency, you may not be entitled to any compensation.