A sudden emergency can leave you with a sizable medical bill, or a rough period in your finances can leave you with an overdue account from medical treatment. Debt collection agencies like CMRE Financial Services buy medical debt from healthcare providers. If you fall behind on payments, they may make harassing phone calls and employ other abusive tactics in an attempt to collect on your debt.
Fortunately for consumers, this type of behavior is illegal and may warrant pursuing legal action. If you’re dealing with intimidating behavior from CMRE Financial Services, contacting a knowledgeable consumer protection lawyer can help.
Debt collection attorneys understand the state and federal statutes regarding fair debt collection practices and can use this knowledge to uphold your consumer rights.
What Is CMRE Financial Services?
CMRE Financial Services is a collection agency that focuses on collecting medical debts on behalf of businesses in the healthcare industry. The collections service is based in Brea, California, and its listed phone number is (800) 783-9118.
Have Consumers Made Complaints About CMRE Financial Services?
CMRE Financial Services has a profile on the Better Business Bureau where consumers can share their experiences by submitting reviews. However, the debt collection agency is not accredited with the BBB and has a 1 out of 5-star rating from 5 customer reviews. CMRE also has 59 complaints from consumers interacting with the debt collector.
Complaints include cases regarding debts that consumers successfully disputed with the original creditor but had not been removed from credit reports. Other complaints involve mistaken identity or addresses where CMRE incorrectly attributed a debt to a consumer.
What Are Some of the Signs of Debt Collection Harassment?
Debt collection harassment is a serious problem that can have a lasting impact on your life. If debt collectors are harassing you, you may notice a few different things happening.
You may receive phone calls from collectors at all hours of the day and night. They may call you repeatedly, even if you’ve asked them to stop. In addition, they may threaten to sue you or damage your credit if you don’t pay your debt.
Other signs of debt collection harassment include:
- Badgering of friends and acquaintances
- Threatening to garnish your wages
- Using misleading documents and statement
- Trying to collect on debts you do not own
Besides the signs of harassment from CMRE Financial Services, there are symptoms in your everyday life that may indicate abusive behavior by CMRE. These can include frequent arguments with your loved ones, a distracted mental state due to your preoccupation with your debt, and reshuffling your finances to pay off the specific account before other important bills.
What Protections Do I Have if CMRE Financial Services Contacts Me?
There are several protections in place if CMRE Financial Services contacts you. Debt collectors must send you a written notice that includes the amount of the debt and the creditor’s name, as required by law. If they fail to send you this information, they are violating FDCPA regulations.
As per the Fair Debt Collection Practices Act (FDCPA), the notice must also include a statement that tells you that if you dispute the debt, the collector will obtain verification of the debt and send it to you. You also have the right to request the name and address of the original creditor if you do not already know who it is.
If you dispute the debt, the collector may not contact you again until they have sent verification of the debt. You can also request that the collector only contact you through your attorney.
By sending a cease and desist letter, you can request that the collector stop contacting you. If you make this request in writing, the collector may not contact you again except to say that collection efforts have been discontinued or notify you that the creditor or collector intends to take specific action against you.
Having a consumer protection attorney write the cease and desist letter on your behalf will ensure the demand is worded correctly. Furthermore, the debt collector will know that you have an attorney acting on your behalf that will take further action if the illegal behavior persists.
Stop Harassment From CMRE Financial Services
Ignoring harassment from debt collectors like CMRE Financial Services may worsen your financial and emotional situation. The illegal badgering will continue, and you may eventually have to face legal action due to overdue debt. Contacting a consumer protection attorney can help you stop the non-stop badgering while giving you breathing space to sort out your finances.
Mike Agruss Law can provide legal guidance to deal with debt collection harassment. They can help you file the appropriate complaints with governmental agencies like the Consumer Financial Protection Bureau, write a cease and desist letter, and take the agency to court if they continue illegal behavior.
Contact our team of lawyers today for a free, no-obligation consultation to discuss your case and determine your best course of action.