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CACI Debt Collectors Overview
CACI Debt Collectors is a debt collection agency. They most likely purchased your debt from a creditor, such as a credit card or loan company.
Sometimes we find ourselves in financial problems, and the only way we can help is by applying for a loan from agencies.
Nowadays, getting a loan is pretty straightforward. You only fill in your details on the agency’s platform, including your phone number. If they find you eligible for the loan, you get the money.
When you get the money, you feel better and can solve the urgent problem. But have you ever thought about the issue you created when you applied for the loan?
Did you think about how you will handle the agency if things fail to work out as planned? This becomes a big problem and might bother you for quite some time if things don’t work out as expected.
You provided a pay date when you applied for the loan, but sometimes you may fail to meet the payment date.
That is when your real problems start to show up. These private lenders do anything, including threats to get their money. Some use debt collectors like CACI, who do not fancy getting the money back.
It has never been easy dealing with such companies. In most cases, they make your life a living in hell, and unless you take the step to stop them, you might never experience peace.
What if we learn about these debt collectors? Everything there is to know about them.
What is a Consumer Adjustment Company (CACI)?
It is a third-party recovery agency located in Missouri. The agency has received protests alleging Fair Debt Collection Practices Act violations repeatedly. These complaints include:
- Use of misleading or false information in an attempt to recover a debt
- Attempts to recover debts not owed
An important point to note about CACI Debt Collectors. If they have reached out concerning past due recovery items, respond if only you are sure, you understand your rights.
Is CACI Debt Collectors Legit?
Yes, CACI is legit. As Better Business Bureau states, CACI was formed and incorporated in 1967. In 2003, BBB established a profile page for the agency and accredited them as a business in 2018.
The agency is listed as a collection agency that focuses on government loan collection. However, CACI collects loans for various lenders apart from the government.
Who Else Does CACI collect on Behalf?
– Financial service companies like credit unions and banks
– Healthcare and service account providers
– Educational institutions
Most private debt collectors use different means to reach their target, mainly by phone. Contacting by phone is widely used because it is easier to find someone by phone than their address. Therefore, when they are assigned you, your lender’s first thing they ask is your phone number.
Once they get your contact information, they will either track you or send you threats like they will garnish your wages or sue you.
Keep in mind that these remain empty threats because it is not legal for a debt collector to garnish your wages or sue you if they cannot validate or do not owe the debt.
If you ever need to get in touch with CACI Debt Collectors, they can be reached at: Telephone: (800) 777-7971
Complaints Filed Against Consumer Adjustment Company
Though legit, there have been different complaints against the agency since its incorporation by the Better Business Bureau (BBB).
For instance, the BBB had handled ten complaints as of August 2019 against the debt collectors in only three years. Moreover, three of those cases were closed just one year before.
Back in 2015, 19 complaints had been closed by the Consumer Financial Protection Bureau (CFPB) against the same agency. CACI Debt Collectors is also involved in at least six litigation cases as listed by Justia.
Most of these complaints alleged issues with collections and billing. Many people out there have been receiving these kinds of violations.
They do not complain either because they do not understand their rights or are not brave enough to file the complaints. Remember, those are just a few who could stand and file the complaints.
This practice shows how vigorous private debt collectors can be. However, you have every right to sue debt collectors who harass you. Below are a few details about your rights as a consumer.
Has CACI Been Calling You?
Even though you are a debtor and have failed to meet the payment date, the debt collectors have no right to call and harass you.
Federal laws protect the consumer. The Fair Debt Collection Practices Act (FDCPA) controls the collection agencies behavior by prohibiting
Actions like:
Use of threatening or abusive language Harassment
The use of misleading or false information to collect a debt
Moreover, the FCRA controls how creditors and collection agencies report felonious debts to credit reporting agencies. Other consumer safety acts include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
However, even if these laws protect you, you should not break the rules regarding debts. If the lenders follow the correct protocol to incriminate you, it will not be suitable for you.
The best thing is to pay the debt on time or communicate to your lender before the due date to negotiate a new payment date.
Is It Possible for You to Sue CACI for Harassment?
Yes. If you want to recover violations’ money or administer your rights, you can sue the agency. Federal laws offer people like you the means to pursue monetary compensations in court.
For instance, people whose rights were violated are allowed to recover up to $ 1000 plus court costs and attorney fees by FDCPA.
Want to Stop CACI Debt Collectors Harassment?
You can file a case if:
– You are receiving late night or early morning calls from debt collectors
– Debt collectors are intimidating you with arrest, violence, or lawsuit
– You are receiving numerous calls from third-party collection agencies per week
– You are receiving calls from debt collectors while at work
– Debt collection agencies are bothering your friends, family, or co-workers with calls
– Tries to collect more than you owe
– Intimidation and harassment
– Debt collector uses obscene language
– You receive automated calls from debt collectors
– Debt collection agencies threatened with damaging credit reporting
Summarizing CACI Debt Collectors
CACI Debt Collectors is one of the many third-party debt collection agencies that sometimes go beyond the limits when collecting debts.
As a consumer, you should understand your rights and always be ready to complain or file a lawsuit if you are intimidated by the debt collection agencies.
However, it is also essential for every consumer to repay debts or take the necessary steps to communicate with their creditors concerning the debt.
If the collector goes beyond the limits or tries to violate you in any way, you have the right to sue them and recover monetary damages in court.