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

Get a Free Case Review



625 Maryville Centre Dr Ste 10
Saint Louis, MO 63141-5834

Contact Them:

Phone: (314) 364-2652

premium wordpress themes

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to give false or misleading representations regarding any alleged debt’s amount or legal status.

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. Laverda Paulene Carleton on August 28, 2014 at 4:06 pm

      For the past 2 years, I have continued to get calls from Valarity alleging an unpaid bill from Mercy Hospital in Fort Smith. Each time, it is from a different agent (or at least an agent using a different name). Although my husband and I have informed them of our Chapter 13 bankruptcy, the calls have continued. Today, the agent gave her name as “Skyler.”

    2. David T. on March 26, 2015 at 5:48 pm

      I received a bill from Mercy Hospital in OK more than 6 months after my service. I requested an itemized bill. Upon receipt I appreciated several improper charges and contacted the hospital. They agreed to investigate and respond. No response was offered before account was turned over to Valarity. I obtained a copy of my medical record that confirmed the charges were improper. I mailed a letter to Valarity with the itemized bill an medical record but continue to be harassed. I also notified my insurance carrier of the improper charges, as it turns out the insurance carrier is also Mercy.

    3. Ashley B. on April 14, 2015 at 10:42 am

      I constantly get calls from Valarity all hours of the day and sometimes at night, sometimes different numbers as well and I keep telling them I have insurance since they give me outrages amounts that I apparently owe, Valarity told me to call the mercy insurance number and to get my insurance verified and when I called the number they gave me a military arms dealership number

    4. Kris H. on July 8, 2015 at 7:41 pm

      Valarity took money from my credit card without my authorization. I thought I was making a one time payment with Valarity. Valarity has taken it upon themselves to make it monthly payments, which I never agreed to.

    5. JANE LEWIS on February 23, 2016 at 5:29 pm


    6. Phyris Mayfield on March 24, 2016 at 11:43 am

      Valarity LLC has called me every day for months for a bill on a friend of mine that passed away in October. They call repeated times each day, they call before 8 a.m. and obviously I am a third party, as this is not my debt.

    7. edu on May 11, 2021 at 9:07 am


    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    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.