On behalf of our client, Lemberg & Associates recently filed a complaint in U.S. District Court, District of Massachusetts, against the Law Offices of Mandy L. Spaulding. Our client alleges that he was contacted by the Law Offices of Mandy L. Spaulding to pay a debt, and that he authorized the Law Offices of Mandy L. Spaulding to deduct monthly payments from his bank account. Several months later, he noticed a charge on his bank account that he did not recognize. Our client then instructed his bank to put a hold on the withdrawals.
Our client alleges that he received a call from the Law Offices of Mandy L. Spaulding demanding to know why he’d put a hold on the withdrawals. Our client told the debt collector that he didn’t recognize the name of the withdrawer and wanted to protect himself against fraud. Our client alleges that the debt collector told him that he was a “scumbag,” and threatened that the police would come arrest him for larceny.
The lawsuit charges that the Law Offices of Mandy L. Spaulding violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by using profane and abusive language; by using false, deceptive, or misleading representation in connection with the collection of a debt; by threatening imprisonment if the debt was not paid; by misrepresenting that our client had committed a crime; by employing false and deceptive means to collect a debt; by failing to inform our client that the phone call was an attempt to collect a debt; and by using unfair and unconscionable means to collect a debt.