Turtle Creek Assets Lts or TCA 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.
Turtle Creek Assets or TCA is a third-party collection agency based in Texas. TCA has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including failure to verify debts and threatening to take actions that cannot legally be taken. If this debt collector has contacted you about past due collection items, make sure you know your rights before responding.
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According to the Better Business Bureau (BBB), Turtle Creek Assets, Ltd. is a legitimate collection agency. The BBB established a profile page for TCA in 2017. TCA also does business as Forward Properties International, Inc. (FPI). According to the BBB, FPI isa credit and debt counseling company that uses the alternate business name, Forward Properties, Inc. The BBB established a profile page for FPI in 2007. Buzzfile does not have a listing for TCA but estimates FPI’s annual revenue at $112,000and the size of its headquarters staff at 2 employees.
TCA does not maintain a publicly accessible website. They do maintain a business profile on the LinkedIn social media network; however, TCA’s LinkedIn profile does not provide any detailed information about their business practices or client base, stating only that they provide legal services and have 2-10 employees.
FPI maintains a website at www.forwardproperites.net. The FPI website is identified on the home page as the website for TCA, and as a debt collection website. This one-page website does not provide a lot of detailed information about FPI’s or TCA’s business practices or client base. The top portion of the site states that TCA and FPI know that “life happens and, at times, customers may fall behind on financial commitments.” The TCA/FPI “website will help site visitors understand the process, … options, and—most importantly—how they’re committed to working together to resolve… debt.”
The different sections of the webpage include Make a Payment, Common Questions, Contact Us, and Privacy Notice. These sections provide site visitors with a toll-free number and email address for questions. The link to the online payment portal leads to a web-based contact form that requests name, address, and account number information. The website includes a privacy notice. However, there is no information about TCA/FPI regulatory compliance policies, and there are no links or references to consumer protection resources, laws, or enforcement agencies.
As of June 2018, the BBB has given Turtle Creek Assets a rating of F. The BBB has closed 7 complaints against TCA in the past 3 years, with 6 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections.There are also 12 negative reviews. As of June 2018, the BBB has given FPI a rating of C+. The BBB has closed 1 complaint against FPI in the preceding three years, in May 2018. The Consumer Financial Protection Bureau (CFPB) has not posted any complaint data about either TCA or FPI. Justia lists at least 2 cases of civil litigation involving either TCA or FPI.
Turtle Creek Assets, Ltd.
1010 Turtle Creek Blvd.
Dallas, TX 75207
Telephone: (888) 284-8258
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely TCA 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 are some Sample Complaints
Complaints against Turtle Creek Assets commonly cite allegations of harassment resulting from efforts to collect delinquent rent-to-own bills originating with third parties. In May 2017, a complainant indicated he had been contacted regarding a debt. Allegedly, a representative from TCA “first verified his name and then went to verify the last four digits of his social security number, which were incorrect, which led him to believe that this was probably a scam.” The TCA representative “proceeded to ask for payment but the complainant was not sure of this company and asked them to send him something in the mail … before he would settle the matter. The representative told him no and hung the phone up on him.” The “next day they called his daughter’s phone and told her that they were going to take him to court if he didn’t pay up.” The complainant stated that TCA called him “two more times and demanded his personal information and hung on him when he refused to provide it.” In addition, they called his place of employment and threatened to take him to court if he didn’t return the call. They also called his daughter a second time, “harassing her about a debt that does not have anything to do with her, threatening to take the complainant to court, and …asking her to give them the complainant’s correct social security number.” The complainant stated that TCA representatives are “unprofessional and use illegal debt recovery tactics.” He had “asked for valid proof through the mail that the debt” was his, but TCA hung up on him, “which makes him question if this is even a legitimate company.”
In August 2017, a complainant stated he had been “harassed, threatened with felony charges and arrests, and the loss of his job …for not paying” a delinquent rent-to-own bill from Aaron’s. Allegedly, the TCA representative identified herself with a badge number and stated that she was from a legal firm called Global Investigations. The representative allegedly stated that Aaron’s “no longer wanted their equipment and wanted the complainant prosecuted since it was deemed non-collectable, but that she was willing to speak to them on his behalf to see if they wanted to negotiate instead of prosecuting.” She put the complainant on hold, and when she came back offered him a settlement offer of 3 payments of $500 or one payment of over $800. She also claimed that if he refused to make a settlement arrangement, she would “contact the IRS, BANK, WORK, and LOCAL AUTHORITIES, and that the complainant would “be fingerprinted and jailed on 2 felony charges.” The complainant requested validation and was refused. He tried to locate Global Investigations but could not find anything, so he contacted Aaron’s, who told him the bill had been assigned to TCA.
Turtle Creek Assets did not provide any response to either of these complaints.
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
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
“To anybody who has a problem with a debt collector, I highly suggest Lemberg Law. I obtained attentive, personalized service and obtained resolution within three months.”
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“Thank you Lemberg Law!!! Harassed non-stop by rude collectors. My attorney was speedy and polite, really knew what she was doing. They took my call, asked what was going on, never interrupted, and were extremely patient. I knew what was going on every step of the way. They got the calls to stop and sent me a check in the mail as promised. I even paid off my debt with the settlement! Ha!.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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