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2004 American Way Ste 101
Kingsport, TN 37660-5892

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Phone: (423) 230-4100
Fax: (423) 230-4102

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to utilize unfair or unconscionable means to collect an alleged debt.

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. Christine Kelley on April 30, 2015 at 7:31 pm

      I had a child and for some time I was not able to go to work. I went back to work part time and even though I was paying them a little at a time they called and said they were going to take legal action. At that time it was just hard for me to pay due to the fact that I have an infant and a 13 year old son. So then they called my work to say they were going to process garnishment so I called them and they wanted all my financial records and private information in order for me to make payments. I felt that was too much and they said when you get your taxes back this year, pay it off. Well in the meantime I still continued payments and I even upped my payments to $25-$50 a month. The bill is only 1000 dollars left. They just sent me a legal action form again. I can’t pay $1000 all at once. What can I do?

    2. Dennis J. on August 31, 2015 at 10:07 pm

      MCOT Inc took me to court. I don’t even think this debt MCOT Inc says I owe is right.

    3. explanation on May 13, 2021 at 7:19 pm

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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.