This article was written by Lemberg Law staff, and reviewed by Sergei Lemberg, the managing attorney of Lemberg Law.
Capital Link Management, LLC (CLM) is a third-party collection agency based in New York. CLM has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as using false or misleading information in an effort to collect a debt and threatening to take actions that cannot legally be taken. If CLM has contacted you about past due financial obligations, make sure you know your rights before you respond.
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They’re legit. According to the Better Business Bureau (BBB), Capital Link Management, LLC was founded and incorporated in 2016, and CLM has been a BBB-accredited business since 2018. The BBB lists Capital Link Management as a collection agency.
According to its website, CLM has “extensive knowledge and experience… to help clients get the return they are looking for. CLM’s executive team will work with the client to reach the overall goal…using a custom-tailored… plan of action…to make keeping track of …investments as easy as possible.”
Although the CLM website does not state specifically for which types of business they collect debts, Capital Link Management accepts delinquencies from a wide range of industries, including consumer retail lenders, installment loans, telecommunication service providers, and medical and healthcare service providers. CLM also accepts delinquent accounts for commercial business-to-business debts.
CLM utilizes the “power and security of Microsoft AZURE” to ensure the security of digital information downloads. However, their website does not provide any detailed information about their business practices or collection procedures. CLM states that it is “committed to treating all consumers with respect, fairness, and honesty…and devote themselves to building lasting relationships with… clients.”
Their About Us page includes a Consumer Protection section with details about some of the protections afforded under the FDCPA. This section also includes a link tho the FDCPA on the Federal Trade Commission (FTC) website.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of October 2019, the BBB has closed 5 complaints against Capital Link Management in the preceding three years, with all 5 complaints closed in the previous 12 months. Almost all of those complaints alleged problems with billing and collections. Neither the Consumer Financial Protection Bureau (CFPB) nor Justia has posted any complaint data about CLM.
Capital Link Management, LLC
100 Corporate Parkway, Ste. 106
Amherst, NY 14226
Telephone: (855) 797-6909
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CLM would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Complaint:
Complaints against Capital Link Management cite problems resulting from poor customer service and communication and allegations of suspected fraud. In May 2019, a complainant stated that he had “received several phone calls from a private number that he did not answer with all the scams and unnecessary calls nowadays.” According to the complainant, he received a message from his parents that had been left on their home phone, “which he does not share” with them,“stating that he was being served with a ‘notice of intent.’” He said he called the number and spoke to a CLM representative who “stated that …he had an outstanding balance of” over $2,500. The complainant acknowledged the accuracy of the outstanding balance, and the CLM representative told him “that since he was not home and did not sign the ‘notice of intent,’ he could help him out.” He told the complainant that he “had a couple of different options,” which included “paying $1,300 by the end of the month to satisfy the amount owed or paying $265.00 that day and then $100.00 per month.” The complainant made the $265.00 payment over the phone, and the CLM representative told him to “call back the next day after receiving an email to set up automatic withdrawals from his bank for the $100 per month.” The complainant stated that he “did not receive the email the next day,” and that “something told him to contact the original creditor to see if this was a legitimate company.” Allegedly, the original creditor “informed him that his account was not with CLM… and that it sounded like he had been scammed and to contact his local authorities and …bank.” In response, CLM stated that “after running an internal investigation on the interactions of the consumer and CLM, their records show that an affordable payment plan was authorized…and the proper documentation was sent out as requested.”
In January 2019, a complainant stated that he had spoken with a Capital Link Management representative and “worked out a plan to settle” a delinquent home security alarm bill. CLM had requested payments of “$100 toward the collection, plus a $5 fee which was taken from his account. That left a balance of $600…The $600 was to be paid” by the end of the month. The complainant “was asked for his email address and… told … to expect an email.” The complainant received the email, which “contained a DocuSign agreement, and he agreed to the settlement in writing.” Subsequently, “upon closer inspection,” the complainant saw that the document had been “created by a representative of a different company,” and he became concerned that his payments would not be properly applied. When he finally reached CLM to discuss the matter, they initially “claimed… not to remember him and then that his file was transferred out of the company.” The CLM representative promised to call back but never did. He spoke to another representative who “yelled and screamed at him at the top her lungs like a lunatic.” He said that CLM’s “aggressive, pressure-filled and bait-and-switch tactics are a violation of the FDCPA and could be considered criminal.” He was concerned that they “lied to him and defrauded him out of his money.” In response, CLM apologized and stated that “after further review and audit, his account had been cycled around by a client which this mix-up can be troublesome.” CLM said they had “spoken with the client and concluded to agree with the settlement offer, so that they can get the account in good standing.”
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue CLM for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
- You are receiving multiple calls per week from third party collection agencies.
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your family, friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
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