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
The harassing company pays our fees.
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.
As of April 2017, the Better Business Bureau reported 29 closed Dyck-O’Neal complaints 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/
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!
Get Free BBB A+ Attorney. Call 475-277-1600 NOW
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
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.
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:
Your debt harassment checklist:
“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.”
We ought to be able to assist. Call us today to find out more.
Share your story
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.
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."
See more posts from Sergei Lemberg
in 2019 I agreed to pay 22000 after O’neill came after me on a mortgage that was foreclosed (in 2005) and was originally 240,000.00. I was making my payments and then the company responsible for receiving the payments (a law firm) cancelled my recurring payments and sent me an email to log back on and set it back up. I didn’t. am I responsible!
In 2008, I lost my home via disclosure. Somewhere around 2012, I got a letter from the courts that dyke’oneal had won a judgement debt against me, and so I owe them about $176000, being the difference between what my house was sold for and how much I owed on it at the time of foreclosure.
After back and forths, in Mid-March, the lawyer for dyke’oneal called me and said there were no longer pursuing the case.
Last year, 2021, around Mid-August, I received a court letter to go for oral examination with the new lawyer for dyke’oneal, because they had revived the case. We met, on 08/31/2021, in a third party lawyer’s office in Rockville, MD. I went with my lawyer (he died about two months ago), and after about two hours of discussions, with me giving them all my particulars, including my tax returns for the last 5 years, my bank accounts and assets, the lawyer promised to review the documents and reach out to me by 09/30/2021, with whatever decision he had arrived at, and what the subsequent course of action would be.
I never heard from dyke’oneal’s lawyer. On 04/06/2022, I got to know that the lawyer had sent a garnishment letter to my bank, who then placed a hold on my savings and checking account, locking up over $28000. Now my bills are piling up and attracting penalties, my mortgage is unpaid, and I will not be able to pay my Maryland State Tax I owe.
Hope to hear from you soon
They are garnishing my wages and had no clue I was even had a court date.
I lost my home in 2010 to short sale witch was through well Fargo but they say anything about paying the 11000 back and then all at once wells Fargo sales it to Dyk O’Neal for $1 dont even know when they told it to them . How us t hat even correct. They even. Gave me 1500 to move in 30 days
This company took a debt from a company and put it a 6 different loans that looks like I took from them. They all say 120+ days late and say I was a victim of natural disaster. They then opened 6 collection accounts on the amount I owed from 1 company (a site you can order from and have amounts deducted from your paycheck.) I believed this to have been paid off, however they refused to send me any accounting of what and how I owed them when requested. Is this even legal?
Dyck O Neal bought a collections account and is now listing it on my credit report as a revolving account that is 120+ days late. Is it legal for them to report this as a unsecured loan that’s close to 5 years old? Can anything be done to have this removed from my credit report? I feel like it’s misleading to report this as a loan that Dyck o Neal and myself agreed on.
Dyke O’Neal holds the lien on my home (f for over, ten year) every time I received a letter from them it stated this is not a request for payment just want information about my plans. I told them I planned to live the rest of my life here. I am 74. The bill. Has gone from 23.000 to 57000. 14 1\2 % .the house is not worth that much. It is 99 years old and deteriorated.. now they are pushing me to refinance. I. Just assumed. I would live here and after my death they would. Get the house. Although I should have 8 didn’t realize the interest was being added. I live on a fixed income and have nowhere. Else to go.
I just looked at my credit report. I have a debt listed to Dyck O’Neal for $886. I have never had a mortgage, which is what everything I find says this company is a debt collection company for. I rent. I have always rented and this needs to come off my credit report
I was just notified by credit karma this Dick O’neal had put 7 negative transactions on my credit. I looked…yep. for unsecured loans. I don’t have any unsecured loans and damn sure don’t know who these people are.