November 14, 2012

Debt collector sued for threatening woman with lawsuit

SHERMAN – A debt collector is being sued for violating federal and Texas laws by failing to provide a woman with written validation of an alleged debt and for threatening to file a lawsuit against her.

Melissa Stephens filed suit against Internal Credit Systems Inc. on Nov. 8 in the Eastern District of Texas, Sherman Division.

The defendant allegedly began contacting Stephens in September in an attempt to collect a debt owed to Ultimate Family Fitness. During the initial conversation, a representative for the defendant, threatened Stephens that if she did not satisfy the debt immediately, Internal Credit Systems would file a lawsuit against her.

“Defendant then condescendingly told Plaintiff that she was a ‘deadbeat’ and would be going to court for this matter,” the lawsuit states.

Stephens repeatedly requested written validation of the debt and was told that they would not send her anything in the mail until Stephens satisfied the debt.

During a subsequent conversation in October, the defendant allegedly told Stephens that it was “representing an attorney.”

The defendant is accused of violating the Fair Debt Collection Practices Act and the Texas Debt Collection Act.

The plaintiff is seeking an award of actual damages for humiliation, anger, anxiety, emotional distress, fear, frustration and embarrassment, statutory damages, court costs, attorney’s fees, and punitive damages.

Stephens is represented by Jody B. Burton of Lemberg & Associates in Stamford, Conn. A jury trial is requested.

Case No. 4:12-cv-00704


The above statements do not represent those of Weston Legal or Michael Weston and they have not been reviewed for accuracy. The statements have been published by a third party and are being linked to by our website only because they contain information relating to debt. Nothing in this article should be construed as legal advice given by Weston Legal or Michael Weston. To view the source of the article, please following the link to the website that published the article. Articles written by Michael W. Weston can be viewed here: To report any problem with this article please email



5001 Bissonnet,
Suite 200
Bellaire, Texas 77401

Phone 713.623.4242
Fax 866-579-6411
Principal Office
Email Email
9901 I.H. 10 West
Suite 800
San Antonio, Texas 78230

Phone 210.787.3539
Fax 866-579-6411
by appointment only
Email Email
106 E. Sixth Street
Suite 900
Austin, Texas 78701

Phone 512.782.4377
Fax 866-579-6411
by appointment only
Email Email
320 Decker Drive ,
Suite 100
Dallas, Texas 75062

Phone 214.329.9837
Fax 866-579-6411
by appointment only
Email Email






2202 N West Shore Blvd,
Ste 200
Tampa, FL 33607

Phone 813.227.4965
Fax 866-579-6411
by appointment only
Email Email
841 Prudential Drive,
12th Floor
Jacksonville, FL 32207

Phone 904.380.6922
Fax 866-579-6411
by appointment only
Email Email
618 East South Street
Ste 500
Orlando, FL 32801

Phone 407.241.2380
by appointment only
Email Email
1111 Brickell Avenue
Miami, FL

Phone 305.913.3725
Fax 866-579-6411
by appointment only
Email Email




2375 East Camelback Road
Suite 600
Phoenix, Arizona 85016

Phone 602.308.0300
Fax 866-579-6411
by appointment only
Email Email