Debt collectors can be persistent in their payment demands, but you should not let them harass you.
It is likely that you have grounds to sue if they try to seize your home, destroy your credit, or try to make you pay a debt by threatening to garnish your wages.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass you into paying a debt.
The following actions can cause a collection agency to be fined and even lose its license.
- Using profane or obscene language
- Discussing the debt with third parties
- Leaving voice messages that do not identify the collector
- Threatening action they cannot legally take
- Calling you at inconvenient times
- Demanding outrageous ‘fees’ in addition to the original debt
About Divine and Service, Ltd
If you are being called by Divine and Service, Ltd, an agency overview is below.
Divine and Service, Ltd, which also does business as D&S Ltd, is a debt collection agency in Austin, Texas.
It was established in 1997, has 53 employees, and is managed by Keith Peterson.
Digital records at the PACER website show that consumers who felt harassed by Divine and Service, Ltd took action against the company.
Alleged Violations against Divine and Service, Ltd*
According to information on the PACER website, on or around July 26, 2018, Divine and Service, Ltd sent a collection letter to a New York consumer.
It referred to “Re: Synchrony Bank” but allegedly did not expressly state the name of the original creditor.
Feeling harassed by Divine and Service, Ltd, the consumer filed a lawsuit against the agency for:
- Using misleading means to collect a debt
- Not identifying the creditor as required by law
The case was later settled.
![Is Divine and Service, Ltd Calling You?*]()
Hire a Consumer Lawyer
The phone number for Divine and Service, Ltd is 1-800-400-7121. If you see it on your caller ID, you are being called by Divine and Service, Ltd in Texas.
If they send collection letters that are vague on required information, hire a consumer lawyer and file a claim against Divine and Service, Ltd.
You could receive $1000 for every violation of the FDCPA.
When you fight for your rights, you could get the compensation you deserve.
Additional Resources
*Case taken from PACER (pacer.gov). File number is Case 2:18-cv-04945-ERK-JO from the United States District Court for the Eastern District of New York.
*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 Divine and Service, Ltd or any other third-party collection agency, you may not be entitled to any compensation.