Are you being harassed by Sequium Asset Solutions (SAS)? If you’re facing repeated, aggressive calls from this debt collection agency, you may be dealing with Sequim Asset Solutions phone harassment. At The Wood Law Firm, we protect your rights and ensure you receive the justice you deserve. We offer our services without any upfront costs.
What Is Sequium Asset Solutions?
Sequium Asset Solutions is a third-party debt collection agency headquartered in Marietta, Georgia. Founded three years ago, this firm quickly became known for its aggressive and sometimes controversial debt collection tactics. Sequium Asset Solutions has accumulated many complaints and legal challenges despite its relatively brief history, indicating ongoing concerns about its practices.
This company specializes in collecting overdue debts on behalf of creditors. While debt collection agencies like Sequium Asset Solutions play a critical role in the financial ecosystem by helping creditors recover unpaid amounts, you must sometimes scrutinize their behavior. The firm’s approach to debt collection has led to allegations of harassment and unethical behavior, prompting legal actions and consumer complaints.
Sequium Asset Solutions employs various strategies to recover debts, including persistent phone calls, letters, and legal actions. However, their methods have raised red flags for many consumers. The complaints against them often revolve around accusations of violating consumer rights, such as using high-pressure tactics, making excessive or inconvenient calls, and disclosing debt information to unauthorized parties.
The firm’s practices have led to several federal court cases, highlighting the tension between aggressive collection efforts and consumer protection laws. Despite its claims of adhering to legal standards, the repeated legal battles and consumer grievances suggest Sequium Asset Solutions may be pushing the boundaries of acceptable debt collection practices.
For individuals dealing with debt collection issues involving Sequium Asset Solutions, it is crucial to understand their rights and the protections available under laws like the Fair Debt Collection Practices Act (FDCPA). Seeking legal advice and assistance can help you address potential violations and uphold your rights.
Company Details:
Address: 1130 Northchase Parkway SE, Suite 150, Marietta, GA 30067-6429
Phone Number: (877) 362-8766
Warning Signs of Phone Harassment
If Sequium Asset Solutions is contacting you, it’s essential to recognize the signs of harassment:
Frequent and Unwanted Calls
Are you receiving frequent phone calls from Sequium Asset Solutions, sometimes multiple times a day or during inconvenient hours? Persistent calls, significantly when they disrupt your daily life or occur late at night, can be a strong indicator of harassment. Such relentless communication not only invades your privacy but can also cause undue stress and anxiety. Debt collectors must follow reasonable practices, and overwhelming a consumer with excessive calls often crosses the line into harassment.
Threats of Legal Action or Wage Garnishment
Have you been threatened with legal action or wage garnishment by Sequium Asset Solutions? If they are using threats as a tactic to coerce payment, you may consider such actions unlawful. Debt collectors cannot make false threats or use scare tactics to force a payment. For example, while they may legally pursue a judgment to garnish wages, they cannot threaten you with legal consequences if they do not have a legal basis for such threats. Recognizing when these threats are tactics designed to intimidate rather than reflect actual legal actions is essential.
Contacting Third Parties
Did Sequium Asset Solutions contact your family, friends, or neighbors about your debt? Such behavior is not only an invasion of your privacy but is also likely illegal. Debt collectors cannot discuss your debt with anyone other than you, your spouse, or your attorney. Contacting third parties to discuss your debt, particularly without your consent, constitutes a severe breach of privacy and constitutes Sequim Asset Solutions phone harassment.
Legal Protections Against Debt Collection Harassment
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive and deceptive debt collection practices. Here’s how it safeguards your rights:
No Harassment
Under the FDCPA, debt collectors cannot use abusive language or engage in behavior that causes harassment, oppression, or abuse. This includes using threats, profane language, or other forms of verbal abuse. Debt collectors must also conduct themselves professionally and respect the dignity of the individuals they contact.
Privacy Rights
The FDCPA ensures that your debt information is kept confidential. Debt collectors can only discuss your debt with you, your spouse, or your attorney. They cannot disclose your debt information to third parties, such as family members, friends, or neighbors, without your explicit permission. This provision protects your privacy and prevents unauthorized sharing of sensitive information.
Restrictions on Communication
Debt collectors must adhere to specific guidelines regarding communication hours. Unless they have permission, they should only contact you at reasonable times, such as after 8:00 a.m. or before 9:00 p.m. Additionally, they must avoid using abusive or harassing language during their communications.
If Sequium Asset Solutions engages in practices that violate these FDCPA guidelines, you have several recourse options. You can file a formal complaint with the Consumer Financial Protection Bureau (CFPB), which investigates unfair debt collection practices allegations. Alternatively, you may pursue legal action by filing a lawsuit against Sequium Asset Solutions. Successful legal action can lead to halting the harassment and may entitle you to compensation for Sequim Asset Solutions phone harassment, including attorney fees and legal costs.
Understanding your rights under the FDCPA is crucial in dealing with debt collection harassment. If you believe Sequium Asset Solutions or any other debt collector has violated these laws, seeking legal advice can help you effectively address the situation and protect your rights.
Common Tactics Used by Sequium Asset Solutions
Sequium Asset Solutions may use a variety of aggressive tactics that may violate the FDCPA:
Profanity and Abusive Language: They may use harsh or abusive language during communications.
Inappropriate Call Times: Repeated calls at inconvenient times, such as early morning or late night, are prohibited.
Excessive Calling: Multiple calls within a short period can constitute harassment.
Third-Party Communication: Discussing your debt with family members or neighbors without your consent is illegal.
Threats of Legal Action: They cannot make threats of legal action or wage garnishment that are not legally justified.
Known Phone Numbers for Sequium Asset Solutions
If you are receiving calls from any of the following numbers, you might be dealing with Sequim Asset Solutions phone harassment:
800-741-1969
800-268-3486
877-362-8766
678-228-3054
901-295-1564
629-206-2571
833-574-1910
800-541-1734
480-681-5553
Keep in mind that the list above is not exhaustive. Sequium Asset Solutions may use other phone numbers to contact you. If you suspect harassment, it’s crucial to contact our office immediately to start addressing and stopping the harassment.
Commonly Asked Questions About Sequium Asset Solutions
Is Sequim Asset Solutions a Scam?
Sequium Asset Solutions is not a scam. It is a legitimate debt collection agency based in Marietta, Georgia, operating for three years. Despite its authenticity, Sequium Asset Solutions has attracted significant criticism due to its aggressive debt collection tactics. Many consumers have reported experiencing high-pressure tactics and persistent harassment from the company. While it operates within the bounds of the law, its methods have raised concerns among consumers and regulatory bodies alike. If you are facing issues with Sequium Asset Solutions, it’s crucial to understand your rights and seek assistance if needed.
Can Sequium Asset Solutions Garnish My Wages?
Yes, Sequium Asset Solutions can garnish your wages under specific circumstances. For wage garnishment to occur, the agency must first obtain a court judgment against you. This generally involves a legal process where Sequium Asset Solutions files a lawsuit to collect the debt. If they win the case, they can request a court order to garnish your wages. Additionally, the company can garnish your wages without a court judgment if the debt is related to federal student loans. In these cases, federal laws allow for wage garnishment to ensure repayment of educational debts.
Can Sequium Asset Solutions Sue Me?
Sequium Asset Solutions can sue you, but this action depends on several factors. The agency can file a lawsuit to collect a debt if it falls within the statute of limitations for your state. The statute of limitations varies by state and type of debt but typically ranges from three to six years. Sequium Asset Solutions will not be allowed to pursue legal action if the debt is older than the statute of limitations period. It’s essential to be aware of the time limits in your state and seek legal advice if you are still determining whether a debt is still enforceable.
Can Sequium Asset Solutions Report My Debt to Credit Bureaus?
Yes, Sequium Asset Solutions can report your unpaid debt to credit bureaus. This action is a standard practice in debt collection and can have significant consequences for your credit score. A debt can remain on your credit report for up to seven years, negatively impacting your creditworthiness. This decreased credit score can make it more challenging to obtain loans, credit cards, or even housing in the future. If you are dealing with debt collection, monitoring your credit report regularly and addressing any inaccuracies quickly is essential to protect your credit score.
Can Sequium Asset Solutions Arrest Me?
Debt collectors, including Sequium Asset Solutions, do not have the authority to arrest you solely for unpaid debts. The responsibility for arresting individuals for unpaid debts lies with the courts and typically involves more severe circumstances. For instance, a judge might issue a warrant for your arrest if you fail to comply with a court order, such as a summons to appear in court. Additionally, in some states, nonpayment of specific types of debts, such as child support or certain traffic fines, can lead to arrest if it violates the law. However, this is not an expected outcome for most debt collection scenarios and generally requires more litigation beyond typical debt collection practices.
Understanding your rights and the legal processes involved in debt collection can help you navigate situations with debt collectors like Sequium Asset Solutions. If you face harassment or need assistance managing your debt, consulting with a legal expert can clarify and help you take appropriate action.
Recent Legal Complaints Against Sequium Asset Solutions
Here are some examples of legal complaints filed against Sequium Asset Solutions:
2:18-cv-00155-NJ – Machnik v. Sequium Asset Solutions
1:18-cv-01086-WCG – Vandehey v. Sequium Asset Solutions
2:19-cv-00719-WED – Howard v. Sequium Asset Solutions
3:18-cv-02895-DMS-KSC – Giometti v. Sequium Asset Solutions
2:19-cv-14058-RLR – Redfield v. Sequium Asset Solutions
These cases highlight the legal actions taken by consumers against Sequium Asset Solutions for alleged violations of their rights.
About The Wood Law Firm
At The Wood Law Firm, we protect consumers from harassment by debt collectors like Sequium Asset Solutions. Our firm is committed to helping you navigate the complexities of debt collection issues and upholding your rights. With over a decade of experience and an A+ rating with the Better Business Bureau, we have successfully assisted numerous clients in stopping harassment and obtaining compensation.
If you are dealing with Sequim Asset Solutions phone harassment, don’t hesitate to contact us. Call us today at +1 844-638-1122 or visit our website at The Wood Law Firm for immediate assistance.
Success Stories from Our Clients
Here’s what some of our clients have to say about their experience with The Wood Law Firm:
“I highly recommend The Wood Law Firm to anyone dealing with harassment! Their professionalism and clear communication about my rights made all the difference. They managed to stop the calls and secured compensation for me, all at no cost.”
“I had the pleasure of working with The Wood Law Firm twice. The staff was courteous and knowledgeable, halting the harassment and obtaining compensation. I am thoroughly satisfied and recommend them to anyone facing similar issues.”
