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Municipal Services and Gila Group

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Fact: Pursuant to the Fair Debt Collection Practices Act, a collection agency must tell you how much you owe, the name of the creditor to whom the debt is owed, and that you have the right to dispute the debt within thirty days.

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. Andrew Hammar on December 24, 2014 at 12:57 pm

      My main experience has been with their billing and customer service people.

      1. They bill extremely late. I received bills in Nov for tolls in August during a period when my debit card was part of the Home Depot issue. I told them a new card was issued and asked if they could they change it back to the old rate. The person on the phone told me no not their policy. I asked for a supervisor at first who refused then let me speak to Dorothy. I explained it was done previously but she said no. I asked for her supervisor Raquel who argued with me and told me no. Finally they agreed but said ” Don’t ever call again. Your file has been marked that you try to get the bill lowered.” A month later I got another bill with more old charges and new ones when an active card was on file. Bank statements proved they Tex Tag was debiting the account. I called TEX Tag and was told there had been problems with MSB billing for which they were told if any one had issues to take the rate to the Tex Tag rate without questions. They asked me to call MSB and see if that was the case. I called MSB and the gentleman, Daniel, who told me I called Tex Tag. When I corrected him that he indeed worked for MSB he was surprised. I asked for the billed to be taken to the tex tag rate, and he said he need to check with Raquel. I told him Tex Tag asked me to call to see what he would say. He didn’t care. Since then MSB has paid the amount due in full and I recieved a call from them trying to apologize.

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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.