- Who is Trans-Continental Credit & Collection Corp?
- Trans-Continental Credit & Collection Corp Complaints?
- Trans-Continental Credit & Collection Corp Lawsuits
- Trans-Continental Credit & Collection Corp Contact
- Trans-Continental Credit & Collection Corp Calling?
- How Do I Stop Trans-Continental Credit & Collection Corp Debt Collection Harassment?
- How Can I Delete Trans-Continental Credit & Collection Corp from My Credit Report?
- How Can I Deal with Trans-Continental Credit & Collection Corp?
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Trans-Continental Credit & Collection Corp. (TCC) is a third-party collection agency that specializes in healthcare collections. TCC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as failure to verify debts and using false or misleading language to collect a debt. If you have been contacted by TCC, understand your rights before taking action.
According to the Better Business Bureau (BBB), Trans-Continental Credit & Collection Corp. was founded and incorporated in 1975. The BBB established its profile page in 2005. TCC is listed as a collection agency that uses the alternate business name, Law Office of Mark Nichter. Buzzfile estimates TCC’s annual revenue at $5.4 million, and the size of its headquarters staff at 75 people.
According to its website, TCC began “as a one-person operation…and has grown to one of the Nation’s top 100 collection agencies, resulting in the collection of hundreds of millions of dollars for thousands of satisfied customers.” TCC’s “staff has a thorough understanding of the collection business and has the utmost regard for respecting and maintaining our client’s image.”
TCC has “extensive experience with healthcare receivables.” In addition, they collect consumer debts, government agency debts, and commercial debts. As a full-service agency, TCCC offers “mail programs designed for earliest possible collection and highest possible dollar return to you”; phone call and email service delivered by a staff with “decades of experience”; debtor evaluation and classification; payment options that include “check, money-order, credit card or online” payment; special project services; litigation services; and seminars and consulting.
TCC “has won numerous awards… and has been featured in numerous leading publications illustrating its innovative collection techniques and technologies.” TCCC cites membership in the International Association of Credit and Collection Professionals (ACA International). However, their website does not provide any information about its regulatory compliance polices; and there are no links or references to consumer protection resources, laws, or enforcement agencies.
As of November 2017, the BBB has given Trans-Continental Credit & Collection Corp a rating of D-. The BBB has closed 9 complaints against TCCC in the past three years, with 6 closed in the past 12 months. Almost all of those complaints allege problems with billing and collections. The Consumer Financial Protection Bureau (CFPB) has not received any complaints about TCCC. Justia lists at least 7 cases of civil litigation involving TCCC.
Absolutely. Here are some Sample Cases against Trans-Continental Credit & Collection Corp – TCC.
In July 1995, in United States District Court for the Eastern District of New York, a judge issued a Memorandum and Order in a case alleging TCC had violated provisions of the Fair Debt Collection Practices Act (FDCPA) that prohibit collection agencies from threatening action that cannot legally be taken; using false or deceptive language; or using unfair or unconscionable means to collect a debt. Specifically, the plaintiff in this case received two collection letters from TCCC that contained the following language:
“THIS PAST DUE STATEMENT REFLECTS A BALANCE DUE THE STATED CREDITOR.
“THIS ACCOUNT HAS BEEN REFERRED FOR COLLECTION AND WE MUST ASK THAT YOU REMIT THE BALANCE SHOWN IN FULL BY RETURN MAIL WITHIN FIVE DAYS.
“THE AMOUNT WILL BE ASSUMED TO BE CORRECT UNLESS YOU INFORM US OTHERWISE WITHIN 30 DAYS. IF YOU DISPUTE THIS DEBT IN WRITING, WE WILL SEND YOU VERIFICATION OF THIS OBLIGATION.
“TO BE SURE OF PROPER CREDIT AND TO WITHHOLD FURTHER ACTION, RETURN THIS STATEMENT WITH PAYMENT IN FULL….”
“Stores, banks, credit card companies usually draw credit reports when authorizing credit. Unless this bill is cleared within 5 days, we will be obligated to recommend to our client that it report this debt to the various credit bureaus for general distribution availability. This can hurt your ability to obtain credit for many years.”
The court cited case law that upheld verdicts in which similar language was found to be a violation because it created the false impression that the collection agency intended to take legal action when no legal action was forthcoming. The letter also overshadowed the plaintiff’s right to dispute the debt within 30 days of receipt of the letter. As a result, the court agreed that the plaintiff had shown a cause of action with regard to the language in the letter; however, they did not agree that the plaintiff had provided evidence that TCC’s practices were unfair or unconscionable. All of the other plaintiff’s motions were upheld, and he was given the right to amend his complaint with regard to the charge that was dismissed.
Trans-Continental Credit & Collection Corp.
44 South Broadway, Suite 401
White Plains, NY
Understanding your Debt Collection Rights
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a collection agency.
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.
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.
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