Dyck O’Neal Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Who is Dyck-O’Neal?
Dyck O’Neal is located in Dallas, Texas, and was established in 1988 to collect from those who were “submerged” in their mortgages and had mortgage deficiencies once they offered their houses. The company buys, manages, and collects property loans. They operate with banks, credit unions, and insurance companies, and claim to have over 25 years of experience in the business. The Business is both a debt collection agency and a debt purchaser
Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.
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The harassing company pays our fees.
Is Dyck O’Neal a scam?
They’re legit. Dyck-O’Neal is a legitimate debt collection law firm with a long history of harassing consumers over mortgage debt. In November 2014, The New York Times reported that Dyck ONeal was representing Fannie Mae in amassing deficiency judgments against tens of thousands of customers in Florida. A law had lately passed from the country that reduced the statute of limitations on such cases from five years to one year.
If you’ve suffered from Dyck ONeal debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
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.
How many complaints are there against Dyck-O’Neal?
As of April 2017, the Better Business Bureau reported 29 closed Dyck-O’Nealcomplaints over the previous few decades, including 9 closed Dyck-O’Neal complaints over the past 12 months. The BBB provides Dyck-O’Neal an A+ rating. Additionally, Justia lists four Dyck-O’Neal complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 26 closed Dyck-O’Neal complaints for 2016.
Dyck-O’Neal, Inc. 6060 North Central Expressway, Suite 200 Dallas, TX 75206 Phone Number: 972-661-3744 Website: http://www.dyckoneal.com/
Can Dyck O’Neal Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Dyck O’Neal would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 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 too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Dyck-O’Neal?
Absolutely. Here is a Sample Case Filed in Federal Court
In 2015, a judge in U.S. District Court, Middle District of Florida, denied in part and granted in part Dyck-O’Neal’s motion to dismiss Hernandez vs. Dyck-O’Neal for alleged violations of the Fair Debt Collection Practices Act and Florida state law. According to the judge’s conclusion, Dyck-O’Neal contended that a lack action — that originates from a home being sold for less than is owed on the mortgage — is not subject to the FDCPA because it doesn’t constitute a consumer debt. While the judge ruled in favor of Dyck-O’Neal’s motion to dismiss different elements of the criticism, he ruled against the debt collection agency and wrote, “a lack action constitutes a debt collection action” under the FDPCA.
Dyck-O’Neal Calling You?
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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Consumers have reported this agency harassing them from the following numbers:
Want to Stop Dyck-O’Neal Debt Collection Harassment Now?
Your debt harassment checklist:
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
“I have tried several times to deal with debt collectors, but to no avail. It got very frustrating. Contacting you had been the best decision I have made. It was no more me contrary to the collectors. I was not alone. I had a group on my side. You truly care. Thank you so much for doing what I could not do by myself.”
“My mom and I want to say thanks to the team of Lemberg Law for all the hard work and effort that was taken to take care of the debt collector and the Fair Debt Collection Practices Act. Because of this, the phones do not ring off the hook anymore.”
“After a few months of frustration with a debt collector, I finally called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
Can You Help Me Delete Dyck-O’Neal from My Credit Report?
We ought to be able to assist. Call us today to find out more.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.