Debt collectors are great at getting you completely off-guard. Desperate to stop the harassment, you can end up agreeing to a payment arrangement you can’t afford. To protect yourself from being taken advantage of, read up on your rights.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA prohibits debt collection practices designed to harass or deceive consumers. It regulates what debt collectors may say or do while communicating with consumers and prohibits practices like those below.

  • Swearing and calling you names
  • Contacting you after you have sent a cease and desist letter
  • Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
  • Calling you at work when they know that your employer prohibits such calls
  • Ignoring a formal request to cease communications
  • Threatening to seize your property or garnish your wages

Company Profile: Lamb, Boyce & Associates

If you are being called by Lamb, Boyce & Associates, more information about the agency is below.

Lamb, Boyce & Associates is a collection agency in St. Charles, Missouri. It opened for business in 2001, has 100 employees, and is managed by Larry D. Lamb Jr. Legal records at the PACER website confirm that those who felt that they were being harassed by Lamb, Boyce & Associates pushed back firmly in court.

Alleged Violations against Lamb, Boyce & Associates*

According to PACER, on or around March 19, 2003, Lamb, Boyce & Associates began contacting a New Mexico consumer to collect a debt. She asserted that these collection attempts were illegal because the agency did not obtain an appropriate license for New Mexico.
Feeling harassed by Lamb, Boyce & Associates, the consumer sued the agency for allegedly trying to collect in New Mexico when it lacked an appropriate license.
A judge awarded her $1,000.

Hire a Consumer Lawyer

The phone number for Lamb, Boyce & Associates is 1-636-723-1667. Its presence on your caller ID means that Lamb, Boyce & Associates is trying to make contact. If they send demand letters without the appropriate authorization to collect debts in your state, hire a consumer lawyer and file a claim against Lamb, Boyce & Associates. If you win your case, you could receive $1,000 per FDCPA violation. When you stand up to aggressive debt collectors, the outcome can be in your favor.

*Case taken from PACER (www.pacer.gov). File number is Case 6:04-cv-00013-MV-DJS from the United States District Court for the District of New Mexico.

Additional Resources

  • I-L Debt Collection Agencies
  • Did a Collection Agency Not Validate Your Debt?

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Lamb, Boyce & Associates or any other third-party collection agency, you may not be entitled to any compensation.