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Is Security Credit Services calling you?*
Here's what you need to know.
Due to the growing national debt crisis, it is very common for people to be sent to collections through no fault of their own. People lose their jobs, receive disability, forget to pay or experience an economic downturn. No matter the reason, debt collectors will call, text, and e-mail you in order to recover a debt, and they can be very threatening. If you are being harassed by a debt collector, read about your rights below.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from being intimidated and harassed by third-party debt collectors. It regulates what collection agents may or may not do during their communications with consumers and prohibits actions like the following:
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Using profane and obscene language
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Calling you at work when they know that your workplace won’t let you take such calls
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Discussing the debt with anyone except you, your spouse, or your attorney
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Trying to collect an amount not authorized by law or by the original creditor agreement
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Calling you at all hours of the day and night
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Keep calling you and sending letters after you dispute a debt
Company Profile: Security Credit Services
Security Credit Services or (SCS) is an accounts receivable, acquisitions, and management firm based in Mississippi that specializes in purchasing delinquent debt from banks, retailers, and other lenders. Security Credit Services has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including attempting to collect debts not owed and failure to provide verification of debts.
Hire an Attorney
The phone numbers for Security Credit Services are:
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1-866-699-7889
If you see either of these numbers on your caller ID when the phone rings, be warned that a debt collector looking for you. If they are vague regarding your rights and threaten legal action that never transpires, hire a consumer attorney. If you sue for these infringements on your rights as an indebted consumer, you could potentially win $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. The fact that you owe money does not give a debt collector license to intimidate you, a fact they ignore at their own professional risk.
According to PACER, in 2010 Security Credit Services started contacting a Nevada resident who was out of work due to illness. He sent a letter indicating his refusal to pay, but the collection calls allegedly persisted.
Feeling harassed by Security Credit Services, the plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
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Failing to cease communications after he refused to pay
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Using unfair or unconscionable means to collect a debt
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Using harassing and oppressive means to collect a debt
The matter was later dismissed.
*Case taken from PACER (www.pacer.gov). File number is Case 2:10-cv-01815-PMP-LRL from the United States District Court for the District of Nevada.
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 Security Credit Services, or any other third-party collection agency, you may not be entitled to any compensation.