Cascade Collections Inc or CCI is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
- Who is Cascade Collections?
- Is Cascade Collections a Scam?
- Cascade Collections Complaints?
- Can Cascade Collections Sue Me or Garnish My Wages?
- Cascade Collections Lawsuits
- Cascade Collections Calling?
- How Do I Stop Cascade Collections Debt Collection Harassment?
- How Can I Delete Cascade Collections from My Credit Report?
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Cascade Collections, Inc. or CCI is a third-party collection agency based in Oregon. CCI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and using false or misleading language in an effort to collect a debt.If you have been contacted by CCI, make sure you understand your rights before responding.
According to the Better Business Bureau (BBB), Cascade Collections, Inc. was started in 1970. The BBB established a profile page for CCI in 1996. CCI is listed as a collection agency. Buzzfile estimates CCI’s annual revenue at $1.4 million and the size of its headquarters staff at 14 people.
According to its website, Cascade Collections “is able to work directly with collection agencies who are members of ACA International within the United States and also internationally…and strives to provide the most efficient, professional, and positive experience to each client and consumer individually.” CCI’s mission is “to improve the success of our clients through the highest level of ethical and professional collections.”
Cascade Collections offers a range of collection services. Their pre-collection division specializes in sending out first-party collection letters “designed to collect slow and past due accounts.” CCI’s third-party collections division “manages all accounts placed for collections with a staff “trained in negotiations and information gathering.” When voluntary resolution does not follow, CCI’s “staff is trained… to collect involuntarily should the need arise.”
Cascade Collections collects debts for utility companies “throughout Oregon, at both the local and the municipal level”; government agencies, including “ambulance bills, traffic citations, ordinance violations, and other unpaid debts”; commercial accounts “from distributors, to suppliers, to contractors, to advertisers”; retail and service providers; financial services, including “loans, deficiency balances, credit cards, and overdraft on checking accounts”; and medical and healthcare providers, including “dental, hospitals, chiropractic, and orthodontists.”
CCI’s Consumer page provides fairly extensive information and links to sites and resources about consumer credit. Cascade Collections is a member of several professional organizations, including ACA International; the Keizer Chamber of Commerce; the Monmouth and Independence Chamber of Commerce; the Oregon Collectors Association; and the Salem Chamber of Commerce.
The BBB has closed 7 complaints against Cascade Collections in the preceding 3 years, with 1 complaint closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since December 2015, the Consumer Financial Protection Bureau (CFPB) has closed 8 complaints against CCI. Justia lists at least 2 causes of civil litigation involving Cascade Collections.
Cascade Collections Inc. Contact Information
Cascade Collections, Inc.
1375 13th St., SE
Salem, OR 97302-2511
Telephone: (503) 364-0455
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Cascade Collections 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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Absolutely. Here are some Sample Cases against Cascade Collections Inc
In April 2005, in the Court of Appeals for the State of Oregon, a judge issued a decision in a case alleging Cascade Collections had violated certain provisions of the Fair Credit Reporting Act. In this case, the plaintiff in 2002 had filed a claim that CCI had “‘willfully and/or negligently’ violated the FCRA provisions regarding dissemination of consumer credit information in several respects.” The plaintiff claimed as a result to have “suffered both unspecified economic and noneconomic damages as a result of CCI’s alleged conduct” and sought “actual damages on her First Claim for Relief in the amount of $50,000 economic damages, together with non-economic damages in an amount determined reasonable by a jury but in any event no more than $100,000, together with her costs and expenses of this action and reasonable attorney fees.” Cascade Collections filed an Answer to the plaintiff’s complaint denying all allegations “of the first amended complaint that specified violations of the FCRA.” CCI also filed “a first counterclaim… alleging that it was ‘entitled to its reasonable attorney fees in defending the claim.’” The initial claim was eventually settled when both parties agreed to accept a “judgment against CCI for $1,250.00 together with plaintiff’s reasonable Costs and Disbursements, including her reasonable attorney fees as may be allowed by the Court.”
Subsequently, the plaintiff “filed a statement…for costs and disbursements and attorney fees “of $3,262.50 for representation on the FCRA claim, as well as costs and disbursements, including $134.57 for ‘computer research.’” Cascade Collections filed an objection to the plaintiff’s request, arguing that the plaintiff “could not recover prevailing party fees under the FCRA because…she had not adequately pleaded an entitlement to fees in the first amended complaint; …had filed the complaint after the acceptance of the offer of judgment;…her requested fees were unreasonable under the criteria of ORS 20.075(2); …the cost of computer research was not recoverable; and…the court was not obligated to render findings…because ‘there was no trial in this matter.’” The trial court upheld CCI’s arguments, stating, “The plaintiff did not allege entitlement to attorney fees in her complaint, and the award of same is denied.”
During the April 2005 appeal hearing, the plaintiff challenged the findings of the trial court regarding the award of attorney fees and costs. The appeal court agreed that the trial court had erred. They noted that her first amended complaint had specifically stated her intent to recover attorney fees. In addition, the appeals court found that the there was no legal basis for any of the findings upon with the trial court based its decision. As a result, the trial court’s decision was reversed, and the case was remanded for further proceedings to determine the amount of attorney fees and costs to be awarded.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- 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 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
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
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“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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