Are you being called by Millennium Credit Consultants, Inc.?* Here's what you need to know.
In the debt collection industry, unfair and illegal collection practices predominate. This is because collection agents are compensated according to how much money they bring in, and oftentimes are given bonuses for surpassing their monthly quotas. Consequently, they will often do almost anything to get your money, even break the law.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act (FDCPA), which was designed to combat abusive conduct on the part of third-party collection agencies. This consumer protection law made it illegal to use methods like the following to collect a debt:
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Showing up at your house to intimidate you
- Calling you at work when they know that your employer doesn’t let you take personal calls
- Raising their voice and making threats they have no intention of following up on
- Refusing to prove that a debt is valid and they are authorized to collect it
- Demanding amounts that exceed the amount of the original debt
Company Profile: Millennium Credit Consultants, Inc.
If you are being called by Millennium Credit Consultants, Inc., information about the company is below.
Millennium Credit Consultants, Inc. is a debt collection office located in Minneapolis, Minnesota. It was established in 2000, has approximately 18 employees, and is managed by its CEO, Bruce Jahnke. According to lawsuit details archived at the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Millennium Credit Consultants, Inc. disputed the agency’s claims and defended themselves in court.
Alleged Violations against Millennium Credit Consultants, Inc.
David Godbout vs. Millennium Credit Consultants, Inc.*
According to PACER, on September 30, 2013 and October 8, 2013, Minnesota resident David Godbout disputed a debt that Millennium Credit Consultants, Inc. was reporting to the credit bureaus. The agency, however, allegedly failed to report the dispute, as his credit file was not updated accordingly.
Feeling harassed by Millennium Credit Consultants, Inc., Mr. Godbout hired a consumer attorney and sued the firm for allegedly violating the FDCPA by failing to report the debt as disputed.
The matter was later resolved.
Hire an Attorney
The phone number for this debt collection company is 1-651-306-9344. If it appears on your caller ID, be aware that you are being called by Millennium Credit Consultants, Inc.. If they fail to report a disputed debt to the credit bureau in a timely manner, hire a consumer attorney who can help you file a claim against Millennium Credit Consultants, Inc.. You could potentially be awarded $1,000 per FDCPA violation in addition to other fees and costs. Never assume that because you owe money a debt collector is free to take advantage of you. If they do, expensive penalties can result.
*Case taken from PACER (www.pacer.gov). File number is Case 0:13-cv-03160-JNE-HB from the United States District Court for the District of Minnesota.
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 Millennium Credit Consultants, Inc., or any other third-party collection agency, you may not be entitled to any compensation.