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Discovering you have an outstanding debt can throw your finances into a tailspin and cause increased anxiety. Receiving harassing or threatening calls from a debt collection agency is among the most stressful things that can happen to the average consumer and can lead to a reduced quality of life until the harassment stops.

Debt collectors such as State Collection Service Inc. can overstep their boundaries and engage in illegal conduct when consumers miss a payment. Their aggressive behavior can range from becoming a nuisance with constant phone calls to threatening you regarding your debt’s status.

Don’t put up with illegal debt collection practices. If a collection agency like State Collection Service Inc. violates your consumer rights, contact a consumer protection attorney at Agruss Law Firm to stop harassing behavior in its tracks.

What is State Collection Service Inc? 

State Collection Service, Inc. is a full-service debt collection agency with headquarters located in Madison, Wisconsin. The company focuses on medical debt and is a member of the HFMA Medical Accounts Receivable Resolution Task Force

Complaints Against State Collection Service Inc.

State Collection Service Inc. has a Better Business Bureau profile with a 1.29 out-of-5-star rating. The company has been accredited since 2007, with 17 customer reviews, and several consumers have filed complaints on its profile.

The most common complaint consumers cite on the BB profile is being contacted about debts they do not owe. In one case, the consumer claims the company informed them of a $144 medical bill that became $244 when they tried paying online.

What Constitutes Debt Collection Harassment Under the Law?

Debt collection harassment occurs when a debt collector uses aggressive or abusive tactics to collect a debt. Some common examples of illegal debt collection activities that may constitute harassment include:

  • Making threats of violence
  • Using obscene language
  • Repeatedly calling a debtor several times a day
  • Calling a debtor at work after being asked not to
  • Contacting the debtor at inappropriate times, such as early in the morning or late at night

The law also prohibits debt collectors from sharing your debt information with people you know to pressure you into paying. Collection agencies may not contact your employer, friends, or family to discuss your debt. They can only contact these people to obtain your contact information if they do not already have your phone number. 

What Are My Rights When Dealing With State Collection Service Inc.?

When a State Collection Service Inc. representative calls you, they must identify themselves, issue a hard copy notice of your debt, and provide a 30-day window for you to dispute it. If they violate your consumer rights during the process, you can hold the debt collector accountable according to the law. 

Fair Debt Collection Practices Act 

The United States’ Fair Debt Collection Practices Act (FDCPA) was passed in 1978 to protect consumers from abusive debt collection practices. The FDCPA applies to debt collectors, including third-party collection agencies and attorneys who collect debts on behalf of their clients.

The law prohibits debt collectors from using tactics such as deceit, abuse, or other unfair actions to collect a debt. It requires them to be forthright and truthful about your debt, who they are, and the company they work for. For example, debt collectors cannot misrepresent themselves as lawyers or government agents.

The FDCPA regulates when and how often debt collectors can contact consumers. If a consumer asks a debt collector to stop contacting them, the debt collector must comply with this request. 

However, there are some exceptions to this rule. For example, a debt collector may contact you to inform you of legal action against you.

Monetary Compensation

If you have been the victim of debt collection harassment, you may be entitled to monetary compensation. The FDCPA allows for damages up to $1,000 in statutory damages per violation. 

You may also recover damages and legal fees, amounts which your attorney can estimate in your initial consultation with them. The amount of compensation you can receive depends on the severity of the harassment and whether any laws were violated. In some cases, you may be able to collect damages for emotional distress or punitive damages.

Stop State Collection Service Inc. Harassment

Whether or not you owe the debt that State Collection Services Inc. is contacting you about, the agency must follow the law when calling you. If harassing phone calls and abusive or threatening language are being used by debt collectors such as State Collection Service Inc., contact Agruss Law Firm as soon as possible, so we can help stop the intimidating behavior.   

We can stop debt collection harassment and ensure that agencies like State Collection Services Inc. comply with your rights guaranteed by the FDCPA. We will provide you with expert legal advice and help you pursue fair compensation for the stress and anxiety you suffered after being contacted by a harassing debt collector. 

Contact us today to schedule a free consultation to end harassing practices by debt collectors and hold them accountable.  

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