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Is CMRE Financial Services Inc. 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: CMRE Financial Services, Inc.
If you are being called by CMRE Financial Services, Inc., information about the company is below.
CMRE Financial Services, Inc. is a debt collection company located in Brea, California. It was established in 1996, has approximately 320 employees, and is managed by its President, Sandy Lawrence. According to the company website, it specializes in collecting healthcare debt. Records on file at the PACER (Public Access to Court Electronic Records) website confirm that people who felt that they were being harassed by CMRE Financial Services, Inc. filed lawsuits to challenge the company’s claims.
Hire an Attorney
The phone numbers for CMRE Financial Services are:
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1-714-582-3200
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1-800-783-9118
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, sometime around or before April 2015, CMRE Financial Services, Inc. called a California resident regarding a medical debt. He faxed a letter to the agency demanding an immediate cessation of all communications, but CMRE Financial Services, Inc. allegedly called him using an autodialer on or around May 5. This communication was followed by at least two more collection letters.
*Case taken from PACER (www.pacer.gov). File number is Case 8:15-cv-01380-CJC-KES from the United States District Court for the Central District of California.