Is Main Street Acquisitions Corp Calling You?* Here's What You Need to Know
Debt collectors are extremely resourceful when it comes to trying to collect on a debt. Unfortunately, some of the tactics that they use violate federal law. If you find yourself on the receiving end of abuse and harassment, know that the law is on your side.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which was passed in 1977, set up guidelines in in order to keep third-party debt collectors from crossing the line of legally doing their job into outright consumer harassment. Prohibited actions include:
- Using profane and obscene language
- Maliciously reporting false information to the credit bureaus
- Telling your friends and family that you owe money
- Demanding outrageous amounts that exceed the amount of the original debt
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Threatening action they cannot legally take or have no intention of taking
Company Profile: Main Street Acquisitions Corp
Main Street Acquisitions Corp is a debt collection agency with offices in Norcross, Georgia and Las Vegas Nevada. It was established in 2004, has fewer than 10 employees, and is managed by its President, Steve Stewart. Records archived at the PACER (Public Access to Court Electronic Records) website reveal that Main Street Acquisitions Corp has been accused of collection practices that violate the FDCPA.
Alleged Violations against Main Street Acquisitions Corp
Gregory Adams vs. Main Street Acquisitions Corp*
According to PACER, Main Street Acquisitions Corp and its agents allegedly attempted to collect a consumer debt from New Jersey resident Gregory Adams in or around early 2010. Mr. Adams later complained that through its agent Mercantile Adjustment Bureau, Main Street Acquisitions Corp harassed him by making nonstop calls to his work and cell numbers.
On or about June 22, 2010, Main Street Acquisitions Corp sent debt validation information to Mr. Adams. The letter, which was later introduced as a court exhibit, stated that the agency was attempting to gather the necessary documentation from its client and would forward the same upon receipt, but then confusingly quoted a Fourth Circuit opinion, which indicated it did not have to provide copies of bills or evidence of the debt.
When no validation information was forthcoming, Mr. Adams hired a consumer attorney and sued Main Street Acquisitions Corp for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, or misleading representation in connection with the collection of a debt
- Using unfair and unconscionable means to collect a debt
- Failing to provide a proper debt validation notice
- Harassing Mr. Adams in connection with the collection of an alleged debt
- Causing his phone to ring continuously
The matter was later resolved.
Hire an Attorney
The phone numbers for Main Street Acquisitions Corp Are:
If you see these numbers on your caller ID when the phone rings, be aware that a debt collector is calling. If they call you incessantly and fail or refuse to validate the debt upon request, hire a consumer attorney who can help you fight back in court. A judge could order Main Street Acquisitions Corp to pay you $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. Standing up for yourself could put a debt collector in debt to you instead.
*Case taken from PACER (www.pacer.gov). File number is Case 1:2011CV03577 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 Main Street Acquisitions Corp or any other third-party collection agency, you may not be entitled to any compensation.