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Equinox Collection Services Inc


10159 E 11th St Ste 500
Tulsa, OK 74128-3079

Contact Them:

Phone: (918) 615-0045
Fax: (918) 615-0046

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to continue on with any collection efforts until a debt is validated, if you have requested validation.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 1 Comment

    1. Kathleen M. Cole on January 22, 2015 at 1:52 pm

      Equinox has contacted me by mail a number of times. They acquired my alleged debt to Colorado State Bank and Trust (BOKF N.A.) In spite of a $90 Million settlement in a class action suit, this bank used its overdraft protection program to victimize me. I am a single, 75 year old female, currently dependent upon Social Security Benefits as my sole source of income. I own no significant assets, am in government (tax credit) housing, and receive SNAP benefits. When I opened my checking account with the downtown branch of Colorado State Bank and Trust, I opted for overdraft protection mistakenly. I reported more income than I currently have, but it was a low figure, not merely modest. Over two years my situation declined. In late April 2014 I had a disastrous accidental fall. The injuries were crippling for several months, and treatment/recovery was costly. In June I was forced to get an installment (payday) loan. I spoke with the Bank Vice President at the time, sharing with him that I’d suffered a setback. I was very clear. Although I did not want the account closed (although I should have closed it right away), I wanted it frozen. I was clear with the Vice President and with personal bankers (one named Sean), saying I could absolutely not sustain and pay the Bank’s costly overdraft fees. The bank never froze the account, never offered me any options, but kept it open and conflated under $50 of paid items to fees of nearly $400. I was devastated, but unable to do anything, other than have my Social Security checks directly deposited to a debit card not associated with the Bank. Soon the bank declared it had closed the account, but demanded over $400. I declined to pay, and, very soon thereafter, heard from Equinox. I wonder whether they can sue for these fees in light of the BOKF $90 Million settlement in an overdraft class action suit.
      In any event I find it shameful of both parties, BOKF and Equinox, to continue to attempt to collect what they call a “legitimate” debt.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.