HMC Group is a third-party debt collector that operates out of Cleveland, Ohio, and claims to have been in business for over 70 years. It is odd that the company has no file with the Better Business Bureau. The debt collection agency mostly works within the healthcare industry, but its website claims to also collect for the retail and commercial industries. They use an array of collection techniques, such as skip tracing, collection letters, wage garnishment and the filing of liens and judgments against a consumer in order to secure payment for a debt.
There is at least one lawsuit filed against HMC Group that alleges the agency violated the rules of the Fair Debt Collection Practices Act. The petitioner alleged that the debt collector continued their efforts to try and collect a debt that the consumer was in the process of disputing. Unfortunately for the petitioner in that lawsuit, they didn’t send their dispute letters certified mail with return receipt requested, and HMC Group claimed that they never received them. Because the judge couldn’t verify that the letters had been sent, they lost that portion of their lawsuit. In addition, some consumers on online discussion boards claim that debt collectors from HMC Group continue to call them at work. One man says that the agency called an employer that he hadn’t worked for in a year.
Stop HMC Group Harassment
The Fair Debt Collection Practices Act (FDCPA) was enacted by Congress in order to control debt collectors who would, if left unchecked, abuse the rights of consumers. The Act lays down specific guidelines that all debt collectors must follow.
For starters, a debt collector isn’t allowed to contact you at work if you’re not allowed to receive telephone calls there. By law, you only have to tell the debt collector that you’re not allowed to receive calls at your place of employment, but in order to protect yourself, you should send them a letter via certified mail, with return receipt requested.
What’s more, once you receive a dunning letter from a collection agency that outlines the details of the debt in question, you have 30 days to dispute that the debt is yours. During a dispute, the debt collector can’t continue their efforts to collect the debt.
If your rights are being trampled on by a bill collector, you should stand up for yourself. Contact an attorney, and if he decides that you have a strong enough case, you can file suit against the collection agency. If you win, a judge could award you up to $1,000 in damages, plus your court costs and attorney’s fees. Don’t be a victim to rouge bill collectors, but instead, learn your rights and fight back.
HMC Group Contact Information
29065 Clemens Road, Suite 200
Cleveland, OH 44145
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