Dyck O’Neal is located in Dallas, Texas, and was established in 1988 to collect from those who were “submerged” in their mortgages and had mortgage deficiencies once they offered their houses. The company buys, manages, and collects property loans. They operate with banks, credit unions, and insurance companies, and claim to have over 25 years of experience in the business. The Business is both a debt collection agency and a debt purchaser
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Dyck-O’Neal is a legitimate debt collection law firm with a long history of harassing consumers over mortgage debt. In November 2014, The New York Times reported that Dyck ONeal was representing Fannie Mae in amassing deficiency judgments against tens of thousands of customers in Florida. A law had lately passed from the country that reduced the statute of limitations on such cases from five years to one year.
If you’ve suffered from Dyck ONeal 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 29 closed Dyck-O’Neal complaints over the previous few decades, including 9 closed Dyck-O’Neal complaints over the past 12 months. The BBB provides Dyck-O’Neal an A+ rating. Additionally, Justia lists four Dyck-O’Neal complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 26 closed Dyck-O’Neal complaints for 2016.
6060 North Central Expressway, Suite 200
Dallas, TX 75206
Phone Number: 972-661-3744
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Dyck O’Neal 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 is a Sample Case Filed in Federal Court
In 2015, a judge in U.S. District Court, Middle District of Florida, denied in part and granted in part Dyck-O’Neal’s motion to dismiss Hernandez v. Dyck-O’Neal for alleged violations of the Fair Debt Collection Practices Act and Florida state law. According to the judge’s conclusion, Dyck-O’Neal contended that a lack action — that originates from a home being sold for less than is owed on the mortgage — is not subject to the FDCPA because it doesn’t constitute a consumer debt. While the judge ruled in favor of Dyck-O’Neal’s motion to dismiss different elements of the criticism, he ruled against the debt collection agency and wrote, “a lack action constitutes a debt collection action” under the FDPCA.
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.
Phone Numbers Employed by Dyck-O’Neal
Consumers have reported getting Dyck-O’Neal debt collection calls in the following phone 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.
What Our Clients are Saying
“I have tried several times to deal with debt collectors, but to no avail. It got very frustrating. Contacting you had been the best decision I have made. It was no more me contrary to the collectors. I was not alone. I had a group on my side. You truly care. Thank you so much for doing what I could not do by myself.”
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“After a few months of frustration with a debt collector, I finally called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
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