Collections Agencies
Patrick Bradigan & Associates LLCAbout
Important information
- Additional Info:
Collection agencies are required to be licensed or bonded in many
states in order to operate and contact consumers about outstanding debts. BBB has reached out to this business
requesting that they provide proof of licensing and bonding required for operating
everywhere they do business. However, they have failed to respond to our requests.
BBB wants to make consumers aware that they have legal rights when
they are contacted by a collection agency. The Fair Debt Collection Practices
Act (FDCPA) prohibits abusive and harassing behavior by any debt or collection
agency, this act is enforced by the Federal Trade Commission, FTC. The act
states specific practices and rules under which debt collectors must abide
by. There are penalties for agencies
found breaking these laws. Collection
agencies must not use crude or offensive language or identify themselves as
anyone other the business name that they are contacting on behalf of. If a consumer believes a debt or collection
agency has violated any of the FDCPA laws the BBB encourages them to file
complaints with the BBB at www.bbb.org and Federal Trade Commission at www.ftc.gov.
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