Being in debt is one of life’s most stressful experiences. You live paycheck to paycheck, and debt collectors contact you constantly to demand what little money you do manage to take home. While these collection agencies are legally permitted to contact you about the dent, harassing you is a different matter altogether.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors be professional when collecting or attempting to collect a debt. Tactics like the following violate federal law and can result in significant sanctions being levied against the company.
- Using the telephone to harass you (e.g calling every hour and hanging up when the person answers)
- Telling your friends and family that you owe money in order to embarrass you into paying
- Refusing to prove that a debt is valid and they are authorized to collect it
- Trying to collect amounts that are not authorized by law or the original agreement that created the debt
- Warning you that you will be arrested, lose your kids, etc, if you do not pay immediately
- Using profane and obscene language
- Using unfair or unconscionable means to collect a debt
- Using any language or symbol on envelopes mailed to consumers that revealed information other than the debt collector's address
Company Profile: Glass Mountain Capital, LLC
If you are being called by Glass Mountain Capital, LLC information about the company is below:
Glass Mountain Capital, LLC is a debt collection agency located in Schaumburg, Illinois. It was established in 2005, has approximately 100 employees, and is managed by its CEO, Anthony Nuzzo.
Records archived at the PACER (Public Access to Court Electronic Records) website reveal that consumers who believed they were being harassed by Glass Mountain Capital, LLC dealt with the matter y filing lawsuits to reclaim their rights.
Alleged Violations against Glass Mountain Capital, LLC
La'Tavia Mitchell vs. Glass Mountain Capital, LLC*
According to PACER, on or about August 6, 2014, Glass Mountain Capital, LLC mailed a collection letter to New Jersey resident La'Tavia Mitchell. She later alleged that the letter arrived in a window envelope, and that a barcode was visible through the window. When scanned, this code would reveal the account number Glass Mountain Capital assigned to Ms. Mitchell's account.
Feeling harassed by Glass Mountain Capital, LLC, Ms. Mitchell hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
The matter was later settled.
Hire an Attorney
The phone numbers for this collection agency are:
If either number appears on your caller ID when the phone rings, it means that you are being called by Glass Mountain Capital, LLC. If they send you collection letters in envelopes that do not properly protect your personally identifying information, hire a consumer attorney.
If you file a claim against Glass Mountain Capital, LLC and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. No matter how much money you owe, the FDCPA gives you rights that debt collectors need to respect.
*Case taken from PACER (www.pacer.gov). File number is Case 1:15-cv-02098-JHR-KMW from the United States District Court for the District of New Jersey.
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 Glass Mountain Capital, LLC, or any other third-party collection agency, you may not be entitled to any compensation.