CMRE Financial Services was founded in California in 1996, and goes by many other names, such as Physicians Business Bureau, Radiology Associates of Nevada, and Florida Emergency Physicians. With more than 300 employees, CMRE focuses exclusively on only 1 kind of debt collection, namely health care debt.
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CMRE Financial Services is a legitimate debt collection agency. They claim that their “roots return to the mid ’70s,” and it has always focused solely on collecting on behalf of healthcare providers. It wastes no time in its debt collection efforts, ranging from establishing payment plans with customers before amounts owed are charged off as bad debt, to rebilling insurance and worker’s comp to minimize the amount of time providers need to wait to get paid, to direct debt collection actions.
In 2014, Colorado’s Fair Debt Collections Administration settled an enforcement action with CMRE over charges that the debt collection agency failed to include its Colorado address or telephone number on letters sent to Colorado residents. CMRE paid a $5,000 fine in the issue.
As of April 2017, the Better Business Bureau reported 129 closed CMRE Financial Services complaints over the previous few decades, such as 45 closed complaints over the past 12 months. The BBB provides CMRE Financial Services an A rating. Additionally, Justia lists 13 complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 224 closed complaints for 2016.
CMRE Financial Services, Inc.
3075 E Imperial Highway, #200
Brea, CA 92821
Phone Number: 800-783-9118
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely CMRE 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 Filed in Federal Court
In 2015, a judge in U.S. District Court, Southern District of California, rejected CMRE Financial Services’ arguments that it shouldn’t be forced to produce materials as requested by the consumer during the discovery procedure. The class action lawsuit, Thrasher v. CMRE Financial Services, alleged violations of the Telephone Consumer Protection Act for robocalling customers’ mobile phones without their consent. The customer sought CMRE’s outbound call lists, which the debt collection agency objected to on the grounds they’re irrelevant, the lists belonged to the firm that supplied the calling platform, they would invade the privacy of those called who had landlines, and that the telephone numbers are pulled from clinical records, and are thus protected by HIPAA. CMRE also objected to the customer’s request to produce evidence of previous express consent to get robocalls. The court followed a Ninth Circuit decision finding that the defendant had the burden of proving prior express consent as part of its defense, and overruled CMRE’s hindsight, ordering the debt collection agency to make certain documents.
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.
Consumers have reported this agency harassing them from the following numbers:
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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