When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Montgomery Lynch and Associates Inc


3681 Green Rd Ste 100
Beachwood, OH 44122-5716

Contact Them:

Phone: (216) 382-5624
Fax: (216) 292-8970

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to call you collect.

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. Hilary on September 23, 2016 at 5:54 pm

      I just got off the phone with not one, but two incredibly rude and condescending associates. The first woman, who did not identify herself, got immediately nasty when she informed me of a bill I was not aware of. When I tried to explain that I would gladly pay her once I get paid (I work a commission sales position, so my paychecks vary), she bgan cutting me off and threatening me. I continued to try to explain that I am not unwilling to pay what is owed, but she hung up on me. I called back, and spoke to another associate who was equally as nasty. I explained that my debt was due to an abusive ex who opened up accounts in my name without my knowledge or permission (something I’ve been working towards repairing since I left him). He had been doing this for years and when he left, I was $10K in debt. I told her how rude the last associate was that I spoke to, and this new woman thought it was appropriate, professional, and compassionate to make a joke about my abusive relationship. When I told her I was upset by how rudely I was just treated, she asked me, “Well what did you do when your abusive ex was rude to you?” as if that had anything to do with her co-worker’s behavior. I am absolutely disgusted with how I have been treated and cannot even fathom treating another human being that way.

    Share Your Experience

    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.