You have the right to sue and collect damages against Pinnacle Credit Services under the federal statute known as the Fair Debt Collection Practices Act ("FDCPA") if they unlawfully, threaten, intimidate, lie or harass you or commit any of the following acts:
- Telephone you constantly at odd places and/or at work
- Call you before 8:00 a.m. or after 9:00 p.m.
- Harass, oppress or abuse you verbally
- Contact a third party about your debts
- Continue to contact you after you have sent written notification not to contact you
- Threaten you with violence or other criminal prosecution
- Misrepresent the nature and amount of a debt
- Use deceptive collection methods
- Force you to pay a debt without giving you the opportunity to object within 30 days from the time they send you written notice of the debt
- Fail to properly identify themselves as a debt collector
- Pretend to be an attorney
- Use communications that appear to be from a court or government agency
If you believe you are a victim of any of these practices by Pinnacle Credit Services or any other creditor, you should contact a debt settlement attorney immediately to find out your rights.
Creditors must send you notice of a debt and include a description of the debt and where to send payment. You have the right to object to the debt within 30 days of receipt of the notice by sending a written objection to them. During any verbal communications, they must identify themselves as a debt collector attempting to collect a debt.
If you are being harassed or threatened by Pinnacle Credit Services or any other creditor regarding the collection of a debt, you should contact a debt settlement attorney immediately. The attorney can explain your rights under the FDCPA and other state laws. The attorney can defend and represent you in court and negotiate a debt settlement plan with your creditor.