Congress Collection is a debt collection business based in Farmington Hills, MI. It appears as though there are a variety of different complaints against Congress Collection alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as collecting on previously paid off debt and failing to inform consumers of debt owed. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. Consumers should take their alleged debt with Congress Collection seriously because this collections company has been in business for 64 years. According to the Better Business Bureau, the company was started on January 1st, 1957. Additionally, Congress Collection has received BBB accreditation and an “A+” rating from the Better Business Bureau.
Congress Collection claims that they, “assess beyond just one’s inability to pay and collaborate with consumers to solve problems. There are two sides to every coin and our empathetic approach enables us to collect your coin without jeopardizing anyone’s integrity.” While this is a good sign, many complainants feel as though Congress Collection did not follow through with this belief. Lastly, According to zoominfo.com the company has an employee base of 23, and revenue of $5 million.
Remember that while it is important that you do not ignore the need to resolve your alleged debt with Congress Collection, as this could potentially harm your credit and ability to take out future loans, be wary of any suspicious activity where the company could potentially be violating the FDCPA. With that being said, remember that the debt which you may have been contacted about is real, and needs to be dealt with.
Congress Collection writes on their collections website that they work within a number of different industries. These areas of expertise include: “healthcare, higher education, financial services, commercial and government”. Due to this wide range of experience, it is important that as a consumer you confirm with Congress Collection about what debt is specifically owed and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
Congress Collection has accumulated a number of complaints across the internet. In fact, on the BBB, Congress Collection has received 15 complaints closed in the last 3 years and 6 complaints closed in the last 12 months, as well as 8 customer reviews awarding the company an overall rating of 1 star. These reviews mainly noted that this collections company was allegedly using unethical collections practices and charging consumers with invalidated debt without verification and documentation.
There are additionally 31 reviews regarding this collections company on Google Reviews awarding the company 1.8 stars overall. Lastly, this collections company could have also been a part of more lawsuits, sanctions, and penalties. Take a look at the Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely that Congress Collection would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies do summon debtors to court and garnish wages after a default judgment. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a sample complaint:
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, consumers can recover up to $1,000 in damage, plus attorney fees and costs because of rights written in the FDCPA.
You may have a case, if…
“I never thought I’d finally be free of the nonstop phone calls and letters in the mail, but I finally am free. You went to work straight away, and I saw results fairly quickly. I felt like you really cared about getting me the relief I longed for. I can not thank you enough.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with what I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. They always had great communication. I highly recommend them to anyone seeking consumer legal services.”
“A belated thanks for your company. I still get an occasional call but when I ask them to stop, they stop. Hopefully, sometime in the future, all of the collection agencies will close down. The peace from the constant calls is refreshing.”
Yes, we would love to assist you with your case. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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