Debt collector threats can be frightening. Most people don’t know what actions a debt collection agency typically will or will not take. Folks don’t have the knowledge to adequately evaluate the legitimacy of a threat. Our client says that National Credit Audit Corporation started calling him in an attempt to collect a debt. During one of the calls, our client says that the National Credit Audit Corporation debt collector told him that, unless he paid his debt, he would be unable to rent another apartment and would be homeless. That sounds absolutely terrifying.
This lawsuit charges that National Credit Audit Corporation violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by using false, deceptive, or misleading representation in connection with the collection of a debt; and by using unfair and unconscionable means to collect a debt. The lawsuit also charges that National Credit Audit Corporation violated the Illinois Collection Agency Act by engaging in dishonorable, unethical, or unprofessional conduct of a character likely to deceive, defraud, or harm the public.