Have you fallen behind on bills or worse, endured the overly aggressive debt collection tactics used by a debt collection agency like IMC Credit Services, LLC? If you are sinking into a financial hole and the hole is getting deeper because of the antics delivered by an unethical third party debt collector, you should know that a federal consumer protection law provides you with a way to stay financially afloat.
Enacted by the United States Congress on September 20, 1977, the Fair Debt Collection Practices Act (FDCPA) makes it illegal for bill collectors to implement overly aggressive debt collection tactics. The FDCPA forbids the issuing of threats of any kind. This means IMC Credit Services, LLC cannot threaten to seize your property to liquidate the property into cash. You also do not have to tolerate the use of deception, which is a debt collection practice used by some companies to trick consumers into paying off outstanding credit card and personal loan accounts.
About IMC Credit Services, LLC
As a debt collection agency operating out of South Dakota, IMC Credit Services, LLC has received dozens of complaints from consumers that allege one or more violations of the FDCPA. The complaints include receiving threats to take legal action by the company, as well as the use of misleading information in attempts to collect outstanding consumer debts. According to the Better Business Bureau (BBB), the third party debt collector established a profile page with the leading consumer advocacy organization in 2007.
![Did IMC Credit Services, LLC Misrepresent Themselves?*]()
Deceptive Debt Collection Tactics Barred by the FDCPA
The FDCPA does much more than simply state deception is not an acceptable debt collection practice. Under the FDCPA, a bill collector like IMC Credit Services, LLC cannot claim it has the power to negatively impact your credit report. Although a default on a credit card or a personal loan account can trigger a negative hit on your credit report, the debt collection agency cannot deceive you by saying it can make the negative hit happen. Third party debt collectors cannot misrepresent the legal power they have to file lawsuits against consumers. The threat of a lawsuit is plenty of motivation for a consumer to take care of a consumer debt that he or she might not even owe.
Making IMC Credit Services, LLC Pay
By granting consumers the legal power to file claims, the FDCPA places every debt collection agency on alert that there are possible financial ramifications for not abiding by every provision of the federal consumer protection law. The FDCPA gives you the right to file a lawsuit seeking statutory damages for every FDCPA violation committed by IMC Credit Services, LLC. Statutory damages, which cannot go higher than $1,000, represent a one-time financial award for punishing companies that break the federal consumer protection law.
Have a Licensed FDCPA Attorney on Your Team
Never allow a third party debt collector to deceive you in any way. If IMC Credit Services, LLC misrepresented themselves, you should immediately schedule a free initial consultation with a licensed consumer protection lawyer who has successfully litigated numerous FDCPA cases.
Additional Resources
*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 IMC Credit Services, LLC, or any other third-party collection agency, you may not be entitled to compensation.