If you're receiving persistent or aggressive calls from Todd, Bremer & Lawson, you're not alone. Many consumers have reported similar issues. The good news is that you have legal rights under the Fair Debt Collection Practices Act (FDCPA) to stop this harassment and seek compensation.
Understanding Todd, Bremer & Lawson
Todd, Bremer & Lawson, Inc. is a third-party debt collection agency based in Rock Hill, South Carolina. They specialize in recovering debts for various creditors, including educational institutions and healthcare providers. While debt collection is legal, some consumers report that Todd, Bremer & Lawson engages in practices that violate consumer protection laws.
Common Harassment Tactics
Consumers have reported various forms of harassment by Todd, Bremer & Lawson, including:
Excessive and Unsolicited Calls: Receiving multiple calls per day, often at inconvenient hours.
Threats of Legal Action: Being threatened with lawsuits or wage garnishment without basis.
Contacting Family and Neighbors: Discussing your debt with third parties, which is a violation of privacy laws.
Use of Profanity or Abusive Language: Employing offensive language during conversations.
Failure to Validate Debt: Not providing proper documentation or proof of the debt upon request.
False Reporting to Credit Bureaus: Sending deceptive letters claiming to have reported debts to credit bureaus when they have not.
These practices are not only unethical but also illegal under the FDCPA.
Your Rights Under the FDCPA
The FDCPA protects consumers from abusive debt collection practices. Under this law, you have the right to:
Request Validation of the Debt: Ask for proof that you owe the debt and that the collector has the right to collect it.
Limit Communication: Request that the collector cease contacting you, except for specific legal notices.
Sue for Damages: If Todd, Bremer & Lawson violates the FDCPA, you can sue for damages, including statutory damages up to $1,000, plus attorney's fees.
Protect Your Privacy: Debt collectors cannot disclose information about your debt to anyone except you or your attorney.
Steps to Take If You're Being Harassed
If you're experiencing harassment from Todd, Bremer & Lawson, consider the following steps:
Document All Communications: Keep a detailed record of all interactions with Todd, Bremer & Lawson, including dates, times, and the nature of the conversation.
Send a Cease and Desist Letter: Formally request that Todd, Bremer & Lawson stop contacting you. Send this letter via certified mail and keep a copy for your records.
Request Written Verification of the Debt: Ask Todd, Bremer & Lawson to provide written proof of your debt. They are legally required to do so upon request.
File Complaints: Report harassment to the Consumer Financial Protection Bureau (CFPB), your State Attorney General, and the Better Business Bureau (BBB).
Consult an Attorney: Seek legal advice to understand your options and possibly pursue a lawsuit against Todd, Bremer & Lawson for violations of the FDCPA.
Legal Actions Taken Against Debt Collectors
Debt collectors have faced legal scrutiny for their collection practices. For instance, in the case of Gregory v. Systematic National Collections, Inc., a California consumer alleged that SNC sent a series of deceptive and threatening collection letters, including false claims of reporting debts to credit bureaus.
Such actions highlight the importance of understanding your rights and taking appropriate steps to protect yourself from unlawful debt collection practices.
Tips to Protect Yourself from Debt Collection Harassment
To safeguard yourself from potential harassment by debt collectors:
Know Your Rights: Familiarize yourself with the FDCPA and understand what debt collectors can and cannot do.
Be Cautious with Personal Information: Avoid sharing personal or financial information over the phone unless you're certain of the caller's identity.
Seek Professional Advice: Consult with a consumer rights attorney if you're unsure about how to handle a debt collection situation.
Stay Calm and Composed: If you decide to communicate with a debt collector, remain calm and assertive. Do not be intimidated by threats or aggressive tactics.
Conclusion
Dealing with debt collection harassment can be stressful and overwhelming. However, it's crucial to remember that you have legal protections in place. By understanding your rights and taking proactive steps, you can stop the harassment and seek justice. If you're facing issues with Todd, Bremer & Lawson or any other debt collector, consider reaching out to a consumer rights attorney to explore your options.