Budget Control Services, located in Aurora, Colorado, has been in business since 1987. The company employs about 25 debt collectors and concentrates on medical and dental bills, retail credit cards and bad check collection. Their local Better Business Bureau lists nearly a dozen complaints against Budget Control Services, nearly all of them related to collection and billing practices.
While Budget Control Services claims that it treats all consumers and debtors with respect, a quick Internet search turns up reports of agents for Budget Control Services calling people liars and other names, refusing to supply information about the debt they are trying to collect, and making telephone calls to third parties after being informed that the third party had no information about the person that Budget Control Services was attempting to contact.
The Fair Debt Collection Practices Act is a consumer protection law that protects the rights of consumers who are involved with collection agencies. The FDCPA provides rules that collection agencies like Budget Control Services must follow, and remedies for those who are abused by collection agencies. Among other things, the FDCPA gives consumers the right to file a civil lawsuit against Budget Control Services if they think it’s breaking the rules. If a judge finds that the debt collection agency has violated the provisions of the Fair Debt Collection Practices Act, he may order them to pay you up to $1,000 in damages, as well as legal costs for bringing the suit.
Stop Budget Control Services Harassment
Under the Fair Debt Collection Practices Act, debt collection companies may not threaten you, call you names or harass you in their attempts to collect a debt. They must prove that you owe the debt they are trying to collect and provide you with information about the debt that includes the name of the creditor, the original amount of the debt, and a notice about your right to dispute the debt.
Budget Control Services claims to send out a debt validation letter on the same day they initiate telephone contact with the person listed on an account. If you are contacted by Budget Control Services about a debt, even if you know that you owe it, inform the agent calmly that you will not discuss the debt or arrangements to pay it until you have had a chance to review the debt validation information. Do not allow yourself to be drawn into any further conversation at that time. Wait for the debt validation letter. The company is not allowed to contact you again until after you have had a reasonable amount of time to review the information about the debt.
You have 30 days from receipt of the letter to dispute the validity of the debt. If you do not dispute the debt in writing within that 30-day period, the debt collection agency is allowed to assume that the debt is valid. You may also request the name of the original creditor during that 30-day period if it is not supplied in the debt validation letter and is not the same as the current creditor. If you dispute the debt, Budget Control Services must stop contacting you until they obtain and provide you with proof of the debt. If they have notified any credit bureaus of the delinquent debt, they must notify the credit bureau that you are disputing the debt.
If a debt collector calls you names, belittles you, threatens to garnish your wages or threatens to take legal action that is not permitted in your state or otherwise becomes abusive while talking to you, do not allow them to provoke you into an emotional or angry response. Calmly inform the agent that you believe their actions violate the Fair Debt Collection Practices Act, that you will not discuss the debt with them in light of their actions, and that you may file a complaint or contact a lawyer about it.
Bill collectors count on intimidating people who are not knowledgeable about the laws regarding debt collection practices. Often, when they realize that they are dealing with someone who knows the law, they will drop the illegal actions. Remember, you have the right to be treated respectfully and even one violation of the FDCPA can be cause for action.
Budget Control Services Contact Information
Budget Control Services
2950 South Jamaica Court, Suite 200
Aurora, CO 80014
800-482-2772
How to Stop the Harassment Now
Complete the form to the right for a FREE evaluation, or call Toll-Free . The legal team at Lemberg & Associates is committed to holding debt collectors accountable, and will fight for your rights under the Fair Debt Collection Practices Act.
Note to Readers
The Information on this website is assembled using many public online and offline sources, such as debt collection agency websites, BBB data, regulatory agency reports and websites, and data available through Pacer. It neither is nor is intended to be the full or complete description of any company's business. To the extent any portion of the website is non-factual in nature, it constitutes our opinion only. We ask that you not rely on any information here in deciding whether or not to do business with any company mentioned on this website. Nothing here constitutes or is intended to constitute legal advice. If any reader or user of this website has a question about specific sources for any information used here, click here to submit an inquiry.
If you have been the victim of harassment or illegal or unfair debt collection practices, contact the Fair Debt Attorneys at Lemberg & Associates immediately to discuss your options and protect your rights. When you owe creditors money, you are protected by the Fair Debt Collection Practices Act, as well as other federal and state laws. If a debt collector has violated your rights, you may be entitled to up to $1000 in damages, and they may even have to pay your attorney fees. Sergei Lemberg, and the attorneys at Lemberg & Associates have helped countless people to assert their legal rights with debt collectors. Don't be intimidated by illegal debt collection practices. For more information, contact
Lemberg & Associates
today at .
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