Diversified Consultants or DCI is a third-party debt collection agency based in Florida. DCI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before responding.
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Diversified Consultants, is a legitimate debt collection agency that employs over 900 people in its Jacksonville, Florida, headquarters and in its own Tualatin, Oregon office. Diversfied has used an an automated dialer previously Their motto is “Legal, Moral, and Ethical.” They specialize in telecom businesses like radio, cable, land lines, satellite service, and safety. They do both pre-collection providers and third party collections.
If you’ve suffered from DCI debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
As of April 2017, the Better Business Bureau reported 508 closed Diversified Consultants complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the BBB provides DCI an A+ rating. Additionally, Justia lists 37 DCI complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 561 closed complaints for 2016.
Diversified Consultants, Inc.
10550 Deerwood Park Blvd, Suite 309
Jacksonville, FL 32256
Phone Number: 800-771-5361
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely DCI 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. If you have been unjustly harassed by this debt collection agency, contact for a free case evaluation
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 recieving 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.
What Our Clients are Saying
“I need to commend you and your company to your valuable support to individuals like myself, who have problems they want help with when confronted with collection difficulties.”
“Lemberg Law contacted me within a few hours of me submitting my advice on their website. That same afternoon Daniel emailed me instructions about what to do the second time that the collection agency called. Within a week, the calls had ceased. Today marks week two and we have not had a call in 3 days. I can not say thank you .”
“It was a joy to deal with you. I would recommend this company to anyone.”
“Thank you and your team at Lemberg Law for the exceptional work you did on my behalf. I have never experienced the level of care, professionalism, timeliness in follow-through, and monetary compensation obtained through your firm.
The brief answer is also yes. And won’t charge you a cent for a consultation or our aid. Contact us now for a free case evaluation. We are standing by to take your phone!
Diversified Consultants – Recent Cases and Decisions
Under these facts, the court did not find that the plaintiff stated a claim for violations of 1692g and 1692e(8) of the FDCPA and dismissed the complaint.
These are the types of questions are clients are asking:
Question: DCI called today asking me for my social security number and bank account for checking so that they can go ahead to start taking out funds. Never said who they were in the beginning of the conversation. I said first of all give me your number so that I can call you back. They hung up.
Answer: Diversified Consultants possibly violated your rights. In every communication the debt collector must identify itself and give you a ‘mini-Miranda’ warning, telling you that the communication is an attempt to collect a debt. If they failed to do it, there could be a case here.
Question: I owed money to ATT at a time where I didn’t have it. They turned me into collection. The collection agency was very kind and set up three payments automatically deducted from my checking account. Feb and March came out. In early April, I got several phone calls from Diversified Consultants telling me that they sent me a letter and that I owed the remaining amount, $72.00 to them instead of the first agency and I had to pay now. I told them that I would wait until April 16, after the third payment was taken out from the first agency. When I was in the ER with him, 7:00 AM California time, I received another call from DCI again demanding payment. On the 16th, I called DCI and told them that the third payment was in fact deducted from my account through Sunrise. They basically told me I was lying and turned me into collection. Are there FDCPA violations here?
Question: Yes, possibly several. First, DCI is collecting a debt that has been paid. That’s a violation of several sections of the Fair Debt Collection Practices Act. Second, DCI is calling you before 8am, and that violates the law.
Question: I was going to write them a letter to stop harassing me. Would that stop DCI from calling me all the time?
Answer: Yes, normally it would. If, however, they keep calling you after receiving your letter, then DCI would be violating the FDCPA. In that event, we may be able to bring a case against them.
Question: DCI calls me from so many different numbers throughout the day that I will block one number and others call without answer and when I call the number back it’s always them….I get these calls while I’m working, on the weekends ect. Does this constitute harassment?
Answer: Probably. If Diversified Consultant is calling you repeatedly, with the intent to harass, then it would constitute harassment and may be illegal. If you tell them to not call you at work and on weekends, and they continue, then that could be legally actionable too.
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