How The Wood Law Firm Can Help
If you’re grappling with relentless Swift Funds debt collection harassment, The Wood Law Firm is here to stand up for your rights. You might be entitled to up to $1,000 in statutory damages, and the best part is you won’t pay a dime from your pocket. Our services are entirely free for you.
Understanding Swift Funds Financial Debt Collection
Swift Funds Financial: A Closer Look
Founded in 2009, Swift Funds Financial has become a significant player in the debt collection industry. Based in Palos Verdes Peninsula, California, the company operates as a third-party debt collector hired by creditors to recover outstanding debts. Their business model relies heavily on collecting a percentage of the amount recovered, which creates a strong financial incentive for aggressive debt-collection practices.
How Swift Funds Financial Operates
Swift Funds Financial aims to maximize its recovery efforts. It is paid a commission based on the debts it collects, which can lead to high-pressure tactics to ensure it recovers as much money as possible. This model encourages aggressive collection strategies, as the more they collect, the more they earn. Consequently, you might experience frequent calls, often characterized by high pressure and stress levels.
Legal Boundaries and Consumer Rights
Although debt collectors like Swift Funds Financial have the legal right to contact you regarding unpaid debts, strict regulations govern their conduct. The Fair Debt Collection Practices Act (FDCPA) sets clear boundaries to protect consumers from abusive and unfair practices.
Permissible Conduct
Debt collectors are allowed to:
- Contact you to discuss the debt and seek payment.
- Send written notices regarding the debt and the amount owed.
- Negotiate payment plans or settlements within legal boundaries.
Prohibited Practices
Under the FDCPA, Swift Funds Financial and other debt collectors must never engage in the following practices:
Harassment and Intimidation: Debt collectors must not use abusive language, threats of violence, or intimidation tactics. For example, they cannot threaten to harm you physically or damage your property.
Unreasonable Communication: Collectors should only contact you at convenient times, such as early or late at night. The FDCPA specifies that debt collectors can call only between 8 a.m. and 9 p.m. unless they have agreed to different hours.
False Statements: Debt collectors cannot lie to you about the amount you owe, the legal status of the debt, or the consequences of non-payment. For instance, they cannot claim you will be arrested or imprisoned for failing to pay a debt.
Unlawful Contact with Third Parties: Debt collectors are not allowed to disclose information about your debt to unauthorized third parties, including your family, friends, or colleagues. They can only communicate with individuals with a legitimate need to know, such as your spouse or co-signer.
Repeated and Excessive Calls: Persistent and excessive calling designed to annoy or coerce you is considered harassment. This includes making multiple calls in a short period or calling you repeatedly each day.
Your Rights and Remedies
If Swift Funds Financial or any other debt collector engages in prohibited practices, you have several rights and remedies under the FDCPA:
Statutory Damages: If someone violates your rights under the FDCPA, you could receive statutory damages of up to $1,000.
Attorney Fees: The debt collector may be required to cover your attorney fees if you take legal action against them.
Cease and Desist: You can request that the debt collector cease communication with you except to notify you of specific legal actions or the termination of collection efforts.
Dispute the Debt: You can dispute the debt’s validity. If you do so in writing, the collector must cease collection activities until they provide proof of the debt.
Taking Action Against Harassment
If you are facing Swift Funds debt collection harassment, it’s essential to take action:
Document Everything: Keep detailed records of all communications with the debt collector, including dates, times, and the content of conversations. This documentation can be crucial if you decide to take legal action.
File a Complaint: You can file a complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state’s attorney general. These agencies can investigate the practices of debt collectors and take enforcement actions if necessary.
Seek Legal Assistance: Contact a consumer protection attorney, such as those at The Wood Law Firm. Our team specializes in handling cases involving debt collection harassment and can help you navigate the legal process, pursue damages, and hold the debt collector accountable.
Dealing with aggressive debt collection tactics can be stressful and overwhelming. Understanding your rights and the limits of acceptable debt collection practices is essential for protecting yourself from harassment. If you’re facing issues with Swift Funds Financial or any other debt collector, don’t hesitate to contact The Wood Law Firm. We’re here to help you assert your rights, seek the compensation you deserve, and stop unlawful collection practices.
For immediate assistance, call us at +1 844-638-1122.
How Debt Collectors Obtain Your Information
Debt collectors like Swift Funds Financial are persistent because their payment depends on the recovery of the debt. If you’re curious about how they obtained your contact information, here are several common methods:
From Your Creditor: When you default on a loan, your creditor transfers your debt to Swift Funds Financial along with your details, including your phone number.
Credit Reports: Debt collectors have legal access to your credit report containing your contact information.
People You Know: Debt collectors may use a method known as skip tracing to gather additional information from friends or family members to locate you.
When You Call: If Swift Funds Financial sends you a notice via email or mail and you respond, they may capture your phone number during this interaction.
Online Sources: In today’s digital age, anyone can get your information through social media, public records, and online directories.
Common Violations of Consumer Rights by Debt Collectors
The FDCPA binds debt collectors to avoid abusive practices. Here are some common ways that collectors like Swift Funds Financial might violate your rights:
Calling Outside Permissible Hours: The FDCPA restricts calls to between 8 a.m. and 9 p.m. unless you have given prior consent. Calls made outside these hours can be considered harassment.
Making Threats: Threats of legal action, imprisonment, or physical harm are clear violations of the FDCPA.
Sharing Debt Information: Disclosing details about your debt to unauthorized third parties breaches your privacy.
Contacting Your Workplace: Any further calls to your workplace are illegal after you have requested not to be contacted at work.
Excessive Calling: Repeated calls designed to intimidate or annoy are considered harassment.
If you encounter these practices, it is crucial to report them immediately. For prompt assistance, call us at +1 844-638-1122.
Debt Collection Regulations in Massachusetts
In Massachusetts, additional regulations supplement the FDCPA to protect consumers further:
Workplace Contact: If you notify Swift Funds Financial verbally that you cannot receive calls at work, this request is valid for ten days. Beyond this period, they must get a written request.
Frequency of Calls: Swift Funds Financial can call your home twice a week for each debt and may contact your workplace (with your permission) no more than twice in 30 days.
Anonymous Calls: Calls made from anonymous numbers may indicate potential scams. Be cautious and verify the caller’s identity.
Contacting Your Attorney: If you have an attorney representing you, Swift Funds Financial must communicate with that lawyer rather than directly with you.
Harassment: The FDCPA prohibits harassing behavior, including late-night calls and profane language.
In cases where you have suffered damages due to these violations, such as changing your contact information, you might be eligible for compensation up to $1,000, plus attorney fees covered by Swift Funds Financial.
About Swift Funds Financial
Swift Funds Financial is a third-party debt collector based in Palos Verdes Peninsula, California. Here is their contact information:
Address: PO Box 2397, Palos Verdes Peninsula, CA 90274-8397
Phone: (888) 479-4384
Evaluating the Legitimacy of Swift Funds Financial
According to Better Business Bureau records, Swift Funds Financial has been operational since 2009 and has accumulated 148 complaints. For detailed information, you can review their BBB profile here.
Known Phone Numbers for Swift Funds Financial
If you’re receiving harassing calls from the following numbers, you might be a target of Swift Funds debt collection harassment:
888-479-4384
619-730-0007
703-260-1433
917-746-6214
619-365-4150
If any of these numbers are calling you, it’s essential to act swiftly. Contact us at +1 844-638-1122 for immediate help.
Legal Action Against Swift Funds Financial
Several legal cases highlight Swift Funds debt collection harassment:
2:12-cv-01267-JAD-PAL: Purdy v. Swift Funds Financial, LLC
3:13-cv-00372-WQH-BLM: Montegna v. Swift Funds Financial Services
7:14-cv-00740: Espino v. Swift Funds Financial Services
2:16-cv-01151-DB: Patterson v. Swift Funds Financial Services et al.
Why Partner with The Wood Law Firm?
When dealing with Swift Funds debt collection harassment, choosing the proper legal representation is crucial. The Wood Law Firm defends consumers from debt collectors’ aggressive tactics. Our firm has a proven track record since 2010.
Expertise and Experience
With over a decade of experience, our team of legal professionals has honed their skills in handling cases of debt collection harassment. We understand the nuances of debt collection laws and are well-versed in the Fair Debt Collection Practices Act (FDCPA), which safeguards your rights against abusive practices. Our extensive knowledge allows us to address violations and advocate for your interests effectively.
Client-Centric Approach
At The Wood Law Firm, our clients are our top priority. We offer a free initial consultation to discuss your case and provide expert guidance on the best action. Our approach is tailored to your situation, ensuring we address all aspects of your case with the attention and care it deserves.
Proven Results
Our firm has successfully represented numerous clients in cases involving debt collector harassment. We work diligently to secure favorable outcomes, including compensation for statutory damages and attorney fees. We aim to alleviate the stress and financial burden caused by unlawful debt collection practices and help you achieve peace of mind.
No Upfront Costs
One of the key advantages of working with The Wood Law Firm is our commitment to providing legal services without upfront fees. We operate on a contingency basis, so you don’t have to worry about paying out of pocket. Our compensation is contingent upon the successful resolution of your case. We are entirely committed to ensuring the best possible result for you.
Comprehensive Support
From the moment you contact us, we will guide you through every step of the legal process. Our team will handle all communications with the debt collector, allowing you to focus on your well-being while we work to resolve the issue. We provide comprehensive support.
Take Action Today
If you are experiencing harassment from Swift Funds Financial or any other debt collector, don’t hesitate to contact The Wood Law Firm. Your rights matter, and we are here to defend them. Contact us today at +1 844-638-1122 for immediate assistance, and let us help you end the harassment.
Our expertise, client-focused approach, and commitment to achieving justice make us the ideal choice for protecting your rights against debt collection harassment. Call us now to schedule your free consultation and take the first step towards reclaiming your peace of mind.
