Social Security Disability Nightmare: Collection Agency Tells Paralyzed Vet That He “Should Have Died” — All While Illegally Seizing His Wife’s Benefits!

October 30, 2012, by Michael A. DeMayo

Every once in a while, you come across a story about a North Carolina Social Security disability situation that’s so blood boiling that it makes you question what’s become of our society.

Such is the case of Michael Collier, a U.S. veteran who suffered massive head and spinal trauma while defending our country – trauma that left him 100% disabled. Adding insult to surgery, a debt collection agency, Gurstel Chargo, recently froze Collier’s wife’s credit union account and then seized $6,000 from the account over Michael’s defaulted college loan – a loan that he had not been able to keep paying because of his 100% disability.

As any North Carolina Social Security disability law firm will tell you, collection agencies cannot seize disability benefits. When alerted to this at a hearing, the lawyer for the collection agency acknowledged that the money would be returned to the Colliers “right away” — but then the agency allegedly did something so horrifically misanthropic that it’s painful even to rewrite the words in this blog.

Allegedly, right after that hearing – the lawyer called up Mr. Collier and sneered that he would have to file a lawsuit to get the money back, knowing full well that the debtor and his wife lacked means to retain an attorney. In a later conversation with an employee of Gurstel Chargo, an employee told the Army veteran “F— you! Pay us your money! You can’t afford an attorney. You owe us. I hope your wife divorces your a– if you would have served our country better, you would have not been a disabled veteran living off Social Security while the rest of us honest Americans work our a– off. Too bad; you should have died.”

Although the Gurstel Chargo has said that such statements, if uttered, would have been “contrary to the policies, practices and values” of the company — and that they would take urgent disciplinary/corrective action — that may not be enough. According to the Fair Debt Collection Practices Act, a debt collection agency cannot use harassing/abusive language during an attempt to collect a debt. It’s illegal, not to mention unethical and, quite frankly, disgusting.

Even if your situation is not as dramatic and heartbreaking as Mr. Collier’s, you likely have a tremendously difficult road ahead. Fortunately, you do not need to fight your legal battles on your own. Connect immediately with the Law Offices of Michael A. DeMayo to schedule a free consultation withae member of our team. We can help you understand your options and make sensible, strategic choices to shield your rights and get fair treatment.

 
 

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