Maury Cobb, Attorney at Law, LLC 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.
Richard Maury Cobb is a graduate of Stamford University Cumberland School of Law and has been a member of the Alabama Bar Association since 2012. According to the Better Business Bureau, Maury Cobb, Attorney at Law, LLC has been in business for 3 years. They were founded locally in Birmingham, AL in 2014 and the BBB has maintained a file since 2015. The website for this business, www.mcobblaw.com, is currently not in operation.
The Alabama Secretary of State indicates that Maury Cobb is the registered agent for this Limited Liability Company, which is licensed to conduct “any lawful activity.” A Business Search on the Alabama Attorney General’s website did not return any records.
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Complaints against Maury Cobb, Attorney at Law, LLC
The Better Business Bureau lists a total of 27 customer complaints against Maury Cobb—21 for billing and collections issues; 6 for problems with service. Of these 27 closed complaints, only 12 were resolved to the satisfaction of the consumer. Complaints allege violations of the Fair Debt Collections Practices Act (FDCPA). The nature of the complaints ranges from failure to provide documentation or verification of bills or offers of settlement; to rude, harassing, or abusive customer service; to FDCPA violations such as using automated dialing and calling an excessive number of times. The BBB also reports 5 negative and 1 neutral consumer review. The BBB has given this company a rating of B. Justia lists at least 13 cases of civil litigation in which Maury Cobb was named as a defendant.
Sample Case against Maury Cobb, Attorney at Law, LLC
One sample cases against Maury Cobb illustrates how this collections firm uses deceptive language in an effort to violate the rights of consumers under the FDCPA. In January 2017, in the United States District Court for the Eastern District of Wisconsin, Milwaukee Division, a jury trial was granted in a class action complaint involving over 50 plaintiffs complaining of illegal collections practices on the part of the defendant, Maury Cobb, Attorney at Law, LLC. According to the FDCPA, debt collection letters must contain specific language informing recipients that they have thirty days to dispute the debt in writing. If a recipient responds with a letter of dispute, the collection agency has two choices: provide the recipient with verification of the debt, or cease and desist from further collection activity. Regardless, no collection activity can be pursued legally from the date the dispute letter is received by the collection agent until verification of the debt is received by the debtor. In this complaint, Maury Cobb allegedly mailed a debt collection letter to the plaintiff in September 2016 for a bill from T-Mobile. The letter from Maury Cobb included the language regarding debt verification required by the FDCPA. The letter also included a settlement offer presumably authorized by the creditor that offered the plaintiff substantial savings. The settlement was extended on the condition that the plaintiff pay the entire settlement amount in one payment by October 31, 2016, after which date the offer would be rescinded. However, the expiration date of the settlement offer occurred before the end of the thirty-day dispute period, thus placing the plaintiff in the position of being tempted to waive her right to dispute the debt to take advantage of a reduced payoff amount. Because the FDCPA states that, “A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt,” the motion requesting a jury trial was granted.
Press Releases of Lawsuits Brought On By Lemberg Law Against Maury Cobb, Attorney at Law, LLC
June 1, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Northern District of Florida. The case, against Maury Cobb, Attorney at Law, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act and other relief.
The Fair Debt Collection Practices Act is very clear about when a debt collector can and cannot call a consumer. It says that debt collection agencies can’t call at times and places known to be inconvenient. Our client says that Maury Cobb, Attorney at Law, called him to collect a debt. He asked the debt collection agency to stop calling him between 8:00 a.m. and 5:00 p.m. because he was at work during that time and the calls were disruptive. Nevertheless, two days later, Maury Cobb, Attorney at Law call him at 9:49 AM.
This lawsuit charges that Maury Cobb debt collection law firm violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by contacting our client at a place and time known to be inconvenient; and by using unfair and unconscionable means to collect a debt.
April 5, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Florida. The case, against Maury Cobb, Attorney at Law, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act, $500 to $1,500 per call in Telephone Consumer Protection Act statutory damages, plus other relief.
Debt collection phone calls can be intimidating, even when they are not for the person being call. Our client says that Maury Cobb begin robocalling his cell phone in an attempt to collect a debt from someone named Jessica. Our client knew it was a robocall because, when he answered, he heard a prerecorded message asking him to wait for the next available operator. At one point, during a live conversation, our client told a Maury Cobb debt collector that he didn’t know the person they were trying to reach, and that Jessica couldn’t be reached at his phone number. Nevertheless, Maury Cobb kept robocalling our clients’ cell phone.
This lawsuit charges that Maury Cobb debt collection law firm violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior and by using unfair and unconscionable means to collect a debt. The lawsuit also charges that Maury Cobb debt collection law firm violated the Telephone Consumer Protection Act by robocalling our client without his consent.
Maury Cobb, Attorney at Law, LLC
301 Beacon Pkwy W., Ste. 100
Birmingham, AL 35209-3103
Understanding Your Debt Collection Rights
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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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.
Ready to Stop the Harassment?
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, a 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
Read more about your rights
What Our Clients are Saying
“I just wanted to take a moment to say thank you! Being in debt is hard enough without being harassed by collection agencies, but thanks to you I no longer have to be a victim. I did not know what to expect when I emailed your company, but from the beginning you guys were on the ball.”
“I would like to thank you and your staff for all the help you’ve provided to me. Honestly, you have a wonderful staff that has dealt professionally and been very empathetic at a time in my life when I hit a speed bump.”
“I never thought I’d finally be free of the nonstop phone calls and letters in the mail, but I finally am free. You went to work straight away, and I saw results fairly quickly. I felt like you really cared about getting me the relief I longed for. I can not thank you enough.”
Can You Help Me Delete Maury Cobb from My Credit Report?
In short, odds are good we can. Call us to today and we’ll tell you how we can help.