When debt collectors call you on a regular basis, you may be tempted to declare bankruptcy. While bankruptcy can give you a fresh start when debt is crippling your life, there are other ways you can stop a collection agency from harassing you.
Your Rights Under the FDCPA
In 1977, Congress passed the Fair Debt Collection Practices Act, or FDCPA, after widespread complaints of harassment by collection agencies. It gives you the right to dispute a debt and punishes debt collectors who use tactics like the following:
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● Failing to identify themselves as debt collectors ● Threatening legal actions they have no intention of taking ● Using obscene and threatening language ● Demanding amounts that exceed the original debt ● Calling you at work after you’ve told them that your employer doesn’t allow such calls ● Reporting false information to the credit bureaus
Company Profile: Computer Credit, Inc.
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If you are being called by Computer Credit, Inc., an agency overview is below.
Computer Credit, Inc., which also does business as Computer Collections, is a debt collection agency in Winston-Salem, North Carolina. It was incorporated in 1972, has 15 employees, and is managed by Elisabeth Barksdale. Digitized litigation files at the PACER website confirm that those who believed they were being harassed by Computer Credit, Inc. were not afraid to fight back.
Alleged Violations against Computer Credit, Inc.
According to PACER, on or around July 24, 2014, Computer Credit, Inc. sent a collection letter to an Illinois consumer. She alleged that the letter arrived in an envelope that made her personal information viewable by third parties.
Feeling harassed by Computer Credit, Inc., the consumer sued the company for failing to keep the details of the debt private.
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The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-336-761-1524. If it appears on your caller ID at home or the office, Computer Credit, Inc. is reaching out to you. If they send collection letters in window envelopes that make your account details visible, hire a consumer lawyer and file a claim against Computer Credit, Inc. You could receive $1,000 per FDCPA violation plus costs and damages. Fighting back in this instance can literally pay off.
*Case taken from PACER (www.pacer.gov). File number is Case 3:15-cv-00686-NJR-SCW from the United States District Court for the Southern District of Illinois.
Additional Resources
- Did a Collection Agency Not Validate Your Debt?
- Debt Collection Agencies: Com-CQ Collection Agencies
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 Computer Credit, Inc. or any other third-party collection agency, you may not be entitled to any compensation.
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