Introduction to Debt Collection
Debt collection is a process where a debt collector, such as Cadle Company, attempts to recover unpaid debts from individuals or businesses. The Fair Debt Collection Practices Act (FDCPA) regulates the actions of debt collection agencies, ensuring that they do not engage in abusive or deceptive practices. Cadle Company, a debt collection agency, must comply with these regulations when collecting debts. Understanding the debt collection process and the legal rights of consumers is essential in navigating interactions with debt collectors.
Cadle Company Calling: Phone Harassment?
Is Cadle Company (CC) calling you? Stop Cadle Company phone harassment. They may have even intentionally inflicted emotional distress upon you. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. You have the legal right to stop CC phone harassment. Suppose a collection agency violates the FDCPA through willful and wanton conduct. In that case, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees, and potentially punitive damages.
Is Cadle Company a Scam?
According to the Better Business Bureau website, Cadle Company has been in business for 32 years.
🔗Cadle Company Better Business Bureau
Who is Cadle Company, a Debt Collection Agency?
Cadle Company is a third-party debt collector located in Newton Falls, Ohio. CC has been a party to a Federal Court case over 3,780 times. The Cadle parties are involved in the present civil litigation concerning allegations of defamatory statements.
This debt collection company has been accused of violating consumers’ rights and using illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer in the United States District Court for the Northern District of Ohio.
- 📌Address: 100 N Center St Newton Falls, OH 44444-1321
- 📞Phone: (330) 872-0918
Company Location and Regulations
The Cadle Company, a debt collection agency, is headquartered in Newton Falls, Ohio. As a debt collector, they are bound by the Fair Debt Collection Practices Act (FDCPA), which sets strict guidelines on how debt collection companies can operate. The FDCPA is designed to protect consumers from abusive, deceptive, and unfair practices. This means that Cadle Company, like all debt collection agencies, must adhere to these regulations to avoid legal repercussions. If they fail to comply, consumers have the right to file complaints with the Federal Trade Commission (FTC) or their state’s Attorney General’s office. Understanding these regulations can help you recognize when your rights are being violated and take appropriate action.
Cadle Company Collection Tactics
Cadle Company employs various tactics to collect debts, some of which may border on harassment. Their relentless campaign often involves persistently calling you at inconvenient times, such as early in the morning or late at night, or bombarding you with multiple calls throughout the week. They may also resort to using threatening language, implying legal action or wage garnishment, even if such actions are not imminent. In some cases, they might discuss your debt with third parties, such as family members or colleagues, which is a clear violation of your privacy rights. Understanding these tactics can help you recognize when your rights are being infringed upon and take appropriate action.
Cadle Company Collection Tactics and Fair Debt Collection Practices
If Cadle Company engages in any of the following tactics, you may have a case. Claims relating to these actions can form the basis of your legal argument. Understanding the legal basis for your claims can strengthen your position:
- ➡️Using profanity or abusive language
- ➡️Calling you before 8:00 a.m. or after 9:00 p.m.
- ➡️Calling you multiple times per week
- ➡️Talking to others about your debt
- ➡️Calling your workplace
- ➡️Threatening to sue you, harm you, or destroy your credit, and seeking injunctive relief to stop such actions
- ➡️Telling you or anyone else that you’ve committed a crime
- ➡️Calling repeatedly for the wrong person
- ➡️Failing to notify you of your right to dispute the debt
- ➡️Trying to collect more than legally allowed
Cadle Company Phone Numbers
Are you receiving any from any of the following numbers?
- 📲 330–872-0918,
- 📲 888–462-2353
- 📲 (330) 872-0918
- 📲 (888) 462-2353
- 📲 3308720918
- 📲 8884622353
If the answer is yes, then you are receiving calls from a known CC number. You may be a victim of CC phone harassment. The list above is not all the numbers that CC uses. The calls can be from a different number and it still be Cadle Company calling you. Contact our office right away so we can start the process to stop CC from calling you illegally. Above all, no one should live with harassment!
Credit Report Concerns
One of the significant concerns with debt collection activities by Cadle Company is the impact on your credit report. When a debt collector reports your unpaid or outstanding debt to credit bureaus, it can significantly lower your credit score, making it difficult to obtain loans, credit cards, or even housing. It’s important to know that under the Fair Debt Collection Practices Act (FDCPA), you have the right to dispute any inaccurate information on your credit report. If Cadle Company reports incorrect information, you can request a correction from the credit bureaus. Additionally, if you settle a debt, ensure that the settlement is accurately reflected on your credit report to avoid future complications.
Debt Collection Process
The debt collection process typically begins with an initial contact from the debt collector, such as a phone call or a letter. This communication will inform you of the debt and your obligation to pay. The initial burden is on the debt collector to provide sufficient information about the debt. If you do not respond or dispute the debt, the collector may escalate their efforts, which can include more frequent calls, letters, and even legal action. It’s crucial to respond promptly and understand your rights. You have the right to request verification of the debt and dispute any inaccuracies. If the debt is valid, negotiating a payment plan or settlement can be a viable option. Throughout this process, it’s important to keep detailed records of all communications and payments.
Resolving Debt Collection Issues
Resolving issues with debt collectors like Cadle Company requires a proactive approach. In some cases, an evidentiary hearing may be necessary to address motions filed under the anti-SLAPP statute. Start by understanding your rights under the Fair Debt Collection Practices Act (FDCPA). If you believe that Cadle Company is engaging in harassment or illegal practices, document all instances of such behavior. You can file a complaint with the (CFPB) or your state’s attorney general’s office. Additionally, consider seeking legal advice to explore your options for taking legal action against the debt collector. Negotiating a settlement or payment plan can also be an effective way to resolve the debt. Remember, you have the right to be treated fairly and with respect throughout the debt collection process.
Protecting Your Rights
If you are being contacted by Cadle Company or any other debt collector, it is crucial to understand your rights under the FDCPA. You have the right to dispute the debt and request validation, ensuring that the debt is legitimate. Additionally, you can limit how and when the debt collector contacts you. For instance, debt collectors are prohibited from calling you at work, before 8 a.m., after 9 p.m., or at any other time that is inconvenient for you. You can also request that they stop contacting you altogether. If you believe that Cadle Company or any other debt collector has violated your rights, you can file a complaint with the FTC or your state’s Attorney General’s office. Keeping detailed records of all communications, including dates, times, and the content of conversations, is essential in protecting your rights and building a case if needed.
Legal Options and Next Steps
Facing debt collection efforts from Cadle Company or any other debt collector can be daunting, but exploring your legal options can provide a path forward. Consulting with a law firm that specializes in debt collection and consumer rights can help you understand your rights and determine the best course of action. Your attorney can assist in disputing the debt, negotiating with the debt collector, and even filing a lawsuit if the FDCPA has been violated. Additionally, reviewing your credit report for accuracy is crucial. You are entitled to a free credit report from each of the three major credit reporting agencies (Experian, TransUnion, and Equifax) once a year. By taking proactive steps to protect your rights and understanding your legal options, you can navigate the debt collection process more effectively and avoid further financial harm. Prioritize your financial obligations and seek professional help if managing your debt becomes overwhelming.
Common Questions
Is CC a scam❓
No, Cadle Company has been in business for 32 years.
Can Cadle Company garnish my wages❓
Yes, CC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. In some cases, a consent judgment may be agreed upon, outlining the financial obligations stemming from a loan secured by real estate.
Can CC sue me❓
Yes, CC can sue you so long as the debt is within the statute of limitations. In some cases, defendants appealed the court’s decision after their defendants motions were denied.
Can CC report my debt to the collection bureaus?❓*
Yes, Debt collectors are allowed to place the collection account on your credit report
Can CC arrest me❓
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets. A declaratory judgment may also be sought to clarify legal obligations.
The following is a sample list of complaints filed against Cadle Company in the past and can be found on pacer.gov.
- 👉3:06-cv-01137-WKW-SRW Ruth v. The Cadle Company
- 👉1:00-cv-00651-CB-D Copeland v. The Cadle Company
- 👉0:05-cv-60359-JIC Armstrong v. Cadle Company
- 👉9:12-cv-80720 Switlyk v. The Cadle Company
- 👉1:01-cv-00539-ACK-LK Newman v. The Cadle Company
About Us
It is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Cadle Company harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
🔗 Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Cadle Company. Call us at 📲(877)700-5790 for immediate assistance or visit our website at Consumer Rights Law Firm, PLLC.
Success Stories
“I had a medical collections company calling my number, looking for someone I had never heard of. They kept calling, even tho I told them they had the wrong number. Consumer Rights Law Firm took my case & got them to stop calling, plus they got a monetary settlement for me. I am so appreciative of the help they gave me – Teresa T”
“Mike was nice, informative, and jumped on the case A.S.A.P. Thank you, consumer rights law firm, for speaking up for me when I thought I did not have a voice. The scariest thing to hear from someone is for them to threaten to garnish your wages, and you are barely making ends meet. Once again, thanks for all your help. – Raven Hooker”
“I highly recommend this firm! They stayed on top of the case and myself. I’m sure they had a lot of cases but always treated me as a priority and I truly appreciate that!!! – Sylvester Boyd”
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Free assistance to stop Cadle Company’s debt collection harassment. Please call us now at ☎️ 877-700-5790. Stop the Calls!
