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Debt Collector Arrested Pretending to Be a Sheriff

– Posted in: consumer news


A debt collector looking to get a leg up in collections donned a sheriff’s uniform while collecting debts says a NBC-2 reporter in Fort Meyers, Florida.  A Florida victim claimed in a police report that Angel Rosado arrived at his job wearing a deputy sheriff’s uniform and possessing a “warrant” for the victim’s arrest.  When the victim protested and requested to see a badge, police reports allege the debt collector responded “You see my gun, don’t you?”

The victim then called the sheriff’s office only to learn that the debt collector was not a sheriff’s deputy.  But, he was already scammed to repay a $180.00 debt… money down the drain.

The debt collector is now out of jail on bond after being charged with impersonating a police officer.  The more serious charge of carrying a gun should concern this debt-collector-out-of-control:  he’s already a convicted felon.  He can’t carry a gun.  It is unknown if the debt collector’s employer conducted a background check or knew of the prior felony.  Perhaps that would not have mattered; debt collection operations are known for tolerating criminals.

State and federal law governs the collection of consumer debts in most instances.  The Florida Consumer Collection Practices Act should govern the officer impersonation and threats of the debt collector.  Debatable, however, is whether the federal Fair Debt Collection Practices Act (FDCPA) would apply.  Generally, it only applies to collection of consumer debts by third parties.

In this case, Rosado was a contract collector for a pay day loan operation sources say.  As a creditor, the pay day loan store is not subject to the FDCPA.  There is a provision within the FDCPA, however, that says when a creditor pretends to be a third-party debt collector (in this case a county sheriff’s deputy), the FDCPA may then apply.  In any event, when a debt collector goes rogue, it is usually the debt collector’s employer that picks up the tab.  Debt collection agencies should be more circumspect in who they hire to work in the emotional and adversarial process of collections especially if they send a collector to a consumer’s place of business.

Of particular interest to Consumer Rights Attorneys is whether Rosado’s employer will determine how many other victims are out there.  Moreover, will the employer ratify, i.e., approve, this debt collector’s conduct by not returning money he collected for it in a clearly unlawful manner.

Comments on this entry are closed.

  • MaybeNot

    This guy needs to be arrested and not ever allowed to work in a job where he has any power whatsoever to contact people to collect debts or to sell them anything. He’s obviously thinking he can get by with these acts, too, so it must work in getting money back, providing the consumer doesn’t pursue legal action.

  • Anonymous

    How many moral upstanding people do you know that are willing to attempt to collect debt from people who in many cases simply do not have the money? The answer is zero. If I was starving on the street I wouldn’t be a debt collector.

  • Anonymous

    Now that is crazy right there. I hope the man ends up doing jail time. Let him go to jail and pretend he is a cop. I bet the prisoners will love him. Where do these collection agencies find their help?

  • Anonymous

    Unbelievable. That guy is a debt collecting snake in the grass. So, they charged him with impersonating a police office, but did they charge him for carrying the gun?

  • CreatureComfort

    Why are such
    low-life people allowed to work for debt collection agencies in the first
    place? It reminds me of gangsters in back allies working for mob bosses. Surely
    there’s a way to take the lending privileges away from payday lenders who use
    such vile tactics?

  • Mimsey

    Impersonating an officer and carrying a gun while attempting to collect a debt is beyond reprehensible. When it’s a convicted felon working for the debt collection agency, it verges on being criminal.

  • sellmore

    The payday loan industry is a scourge on consumers to begin with.  They should not be exempt from the same laws that govern other types of creditors but until people raise havoc with their legislators, nothing will be done about cleaning up the industry.

  • Anonymous

    I’m glad that guy was arrested. It is scary to think a debt collector might arrive at your door wearing a gun, pretending to be law enforcement. I had no idea that criminals are often welcome in the debt collection industry, but, sadly, I am not surprised.