The law requires debt collectors to treat you with fairness, dignity, and respect, but this is not always what happens. Every year the Federal Trade Commission receives complaints about indebted consumers being threatened and harassed for nonpayment of a debt.
If it happens to you, complaining to the FTC is only a start. You can also sue the debt collector.
Your Rights Under the FDCPA
When collection agencies cross the line, the Fair Debt Collection Practices Act, or FDCPA, steps in to protect you from deceptive and unfair treatment. When a debt collector tries to make you pay in the following ways, call a consumer lawyer to go over your options.
- Contacting you after you are represented by an attorney
- Failing to warn you that a communication is from a debt collector and that any information obtained will be used to collect a debt
- Telling you that they can have you sent to prison if you don’t pay
- Calling your workplace when they know that such calls are against your employer’s policy
- Cursing and yelling at you over the phone
- Claiming to be attorneys (if they are not) or police officers
Company Profile: Mirand Response Systems, Inc.
If you are being called by Mirand Response Systems, Inc., you can find additional details about the agency below.
Mirand Response Systems, Inc. is a debt collection agency in Houston, Texas, with a branch office in Kingston, Jamaica. It was founded in 1984, employs 150 people, and is managed by Chairman E. Michael Gatewood.
On its website, the company claims to take over 65,000 calls a day for Fortune 500 companies. Case files at the PACER website indicate that people who believed they were being harassed by Mirand Response Systems, Inc. acted on their right to sue.
Alleged Violations against Mirand Response Systems, Inc.
According to PACER, in or around early 2012, Mirand Response Systems, Inc. started contacting a Georgia consumer about an alleged debt. She alleged that debt collectors kept calling her at work, and spoke to her supervisor on two occasions.
The consumer was subsequently warned about this calls because they violated company policy.
Feeling harassed by Mirand Response Systems, Inc., she hired a consumer attorney and sued the agency for allegedly:
- Calling her at work after being told to stop
- Failing to disclose itself as a debt collector in all communications
The matter was later resolved.
Hire a Consumer Lawyer
The phone numbers for Mirand Response Systems, Inc. are:
Each time that one of these numbers appears on your caller ID, it is confirmation that Mirand Response Systems, Inc. is calling. If they call you at work and ignore requests to stop, hire a consumer lawyer to discuss your situation and review your options.
If you file a claim against Mirand Response Systems, Inc., the outcome could be a statutory damage award of $1,000 per FDCPA violation.
Case taken from PACER (pacer.gov). File number is Case 1:12-cv-01108-CAP 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 Mirand Response Systems, Inc. or any other third-party collection agency, you may not be entitled to any compensation.