A debt collection company based in San Antonio, Texas, has been causing trouble with numerous people in the state. Consumers have reported that they have received phone calls from representatives of the company who claim to be collecting on past debts.
In many cases the debt the company says is owed is nonexistent. However, that has not stopped Central Asset Bureau from phoning numerous family and friends, workplaces, and other contacts of consumers in order to smear their reputation through erroneous claims.
According to complainants, Central Asset Bureau has given fake addresses to its location and even refused to provide written documentation of the outstanding debts. Both of these actions are illegal under the Fair Debt Collection Practices Act.
The behavior of Central Asset Bureau is common in debt collection scams. The actions are all expressly prohibited by the FDCPA. If you are contacted by Central Asset Bureau, or any other debt collector, you should exercise your rights to ensure they are legitimate and legal.
You have a right, as protected by federal law, to:
- Receive written documentation of the exact debt owed.
- Receive valid contact information of the party to which your debt is owed
Furthermore, under the Fair Debt Collection Practices Act, debt collectors may not:
- Contact you before 8 a.m. or after 9 p.m. local time
- Continue to contact you after they receive written notice to stop
- Harass you through aggressive, abusive, or obscene language and false threats of lawsuits
- Reveal debt to anyone other than your spouse or attorney
If you feel that a debt collector has done any of these things, you should contact the Federal Trade Commission, Consumer Financial Protection Bureau, Better Business Bureau, and local authorities in order to file a complaint or even press charges.