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Is Morgan & Curtis Associates Inc calling you? You need to know your rights.*

When debt collectors call you, it’s an unpleasant reminder that hard times have caused you to lose control of your finances.

The situation is even worse if the collectors are rude, intrusive, and demanding whenever you insist that you are unable to pay.

The thought of a debt collector calling constantly, reminding you that you owe money, and trying to make you feel bad about a situation you might not have control over may make you consider bankruptcy to make it stop.

If this is your situation, be aware that when they treat you this way, they may be breaking the law. You don't have to put up with illegal debt collection tactics, and you can take legal action against a debt collector who uses these practices to scare you into paying a debt.

The Fair Debt Collection Practices Act, or FDCPA, grants protections and rights to people who are being pursued by debt collectors.

Morgan and Curtis Harassment Lawyer

Under the law, third-party collection agencies may not use any of the methods below to collect debt payments from you:

  • Calling at all hours of the day and night
  • Claiming that you owe an amount that’s not supported by law or the original creditor agreement
  • Telling you that you can be arrested or sent to jail for not paying your debts
  • Swearing, raising their voice, and calling you names
  • Making threats they cannot legally carry out or have no intention of carrying out
  • Discussing your debt with anyone except you, your spouse, or your attorney

Alleged Violations against Morgan & Curtis Associates Inc*

A lot of debt collectors simply ignore the FDCPA and persist in tricking and harassing money out of consumers, figuring that you will never go to the extent of reporting them.

Morgan & Curtis Associates Inc is a Hickville, New York debt collection agency. It was established in 1983, has 20 to 49 staff, and is a member of the Association of Credit and Collection Professionals.

Records retained by the PACER (Public Access to Court Electronic Records) website confirm that Morgan & Curtis Associates Inc has been accused of violating the FDCPA during its debt collection attempts.

Christopher Gilliard, on behalf of himself and all others similarly situated vs. Morgan & Curtis Associates Inc

In April 2013 New York resident Christopher Gilliard received a collection letter from Morgan & Curtis Associates Inc about a debt he allegedly owed. Mr Curtis Claims that part of the letter stated:


You continue to fail to send us the money that you rightfully owe our client. We are tired of asking you to pay your debt.

Will you settle this account the easy way and pay what you owe, or will it be necessary for us to continue further collection efforts that you would rather avoid? Send payment now.

Taking exception to the tone of the letter, Mr. Gilliard hired a consumer attorney and filed a class action lawsuit accusing Morgan & Curtis Associates Inc of violating the FDCPA in the following ways:

  • Using false and misleading means to collect a debt
  • Threatening litigation that it did not intend to take

The matter was later resolved.

The phone numbers for Morgan & Curtis Associates Inc are 1-800-933-8710 and 1-516-939-0365. If you see either one on your caller ID, it means that a debt collector may be trying to contact you about a debt they have been engaged to collect.

If they send letters that are imposing or threatening in tone, contact a consumer attorney. Such collection tactics violate the FDCPA, and if you opt to sue the company, you could potentially be awarded $1,000 per violation plus attorney's fees, court costs, and any actual damages.

Even if you do owe money, debt collectors must be transparent and ethical while trying to collect it, or face an expensive penalty.

*Case taken from PACER (www.pacer.gov). File number is 2:14-cv-00391-JFB-ARL, from United States District Court, Eastern District of New York.

Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Morgan & Curtis Associates Inc or any other third-party collection agency, you may not be entitled to any compensation.