Man harassed by debt collector wins $10M award - Albuquerque Journal

Man harassed by debt collector wins $10M award

In 2014, Paul Christensen was just getting by on Social Security and a tiny pension from a onetime job as a night grocery stocker. Living in a rented apartment, he finally had saved up enough money to have his lower teeth pulled and be fitted for dentures.

His savings were stolen, his attorney says, by an aggressive Midwestern debt collection agency, Financial Credit Services Inc., also known as Asset Recovery Associates or ARA. The debt was “either completely bogus or was decades past the statute of limitations,” which the company knew or should have known, according to the lawsuit filed by Nick Mattison and Susan Warren for Christensen.

This week, a federal civil jury heard testimony from Christensen about his experience and from two other witnesses about enduring a similar drubbing by the same company.

In less than a half hour of deliberations, they awarded $200,000 in compensatory damages to the now 70-year-old man.

And Christensen, who took the bus to and from the court proceeding, walked away with a $10 million punitive damages award.

“He was very happy. We were humbled by the verdict,” Mattison said Friday. “He felt he was being vindicated.”

No attorney ever entered an appearance for Financial Credit Services, and no one defended it at trial, although the company was served with the complaint, and Mattison’s law firm, Feferman and Warren, has previously sued on behalf of other clients. Mattison said those cases were resolved before trial.

“It was surprising to us” that there was no response, he said. Mattison said he hopes eventually to collect on the verdict, “but it’s a process to get them to pay.”

The lawsuit says Financial Credit Services has been sued for similar violations of the Fair Debt Collection Practices Act, and has been the subject of actions by many state attorneys general and other agencies.

Debt collection companies must be licensed to operate in the state, but Financial Recovery Services was not licensed in New Mexico at the time the calls were made to Christensen, he said.

A woman called as a witness testified about getting harassing calls a decade ago from the same company, and another woman, a Gallup resident, testified about more recent interactions in which she arranged payments and had her car repossessed anyway.

“She ended up in a homeless shelter in Albuquerque for a couple of weeks,” Mattison said.

Despite his modest income, Christensen began saving again and is close to having money for the procedures he needs, but meanwhile his teeth have deteriorated even more and he did oral surgery on himself .

“What’s happened is his bottom teeth have been worn down almost to the gumline,” Mattison said. “It’s hard for him to eat anything besides soft food like mashed potatoes.”

Mattison said that Christensen began experiencing pain from a lower incisor and decided to pull it himself. He devised a means of padding tweezers with tape to get into the gums and extract the tooth, photos of which were admitted into evidence at the Thursday trial before U.S. Magistrate Judge Laura Fashing.

“It could not have been pleasant,” Mattison said. “He realized it was what he had to do. These businesses that target people who are just getting by can cause enormous harm.”

Home » News » Albuquerque News » Man harassed by debt collector wins $10M award

Insert Question Legislature form in Legis only stories

Albuquerque Journal and its reporters are committed to telling the stories of our community.

• Do you have a question you want someone to try to answer for you? Do you have a bright spot you want to share?
   We want to hear from you. Please email

taboola desktop

ABQjournal can get you answers in all pages


Questions about the Legislature?
Albuquerque Journal can get you answers
Email addresses are used solely for verification and to speed the verification process for repeat questioners.
Rio Rancho police shoot, kill person after confrontation at ...
ABQnews Seeker
Rio Rancho Police officers shot and ... Rio Rancho Police officers shot and killed somebody during a confrontation at an apartment complex shortly after midnight Tuesday.
'It's been a great ride': Longtime Balloon Fiesta executive ...
ABQnews Seeker
Longtime Balloon Fiesta executive director is ... Longtime Balloon Fiesta executive director is retiring
California is lone holdout in Colorado River cuts proposal
ABQnews Seeker
FLAGSTAFF, Ariz. (AP) -- Six Western ... FLAGSTAFF, Ariz. (AP) -- Six Western states that rely on water from the Colorado River have agreed on a model to dramatically cut water ...
New Mexico faces a budget abyss if oil and ...
ABQnews Seeker
Report predicts $36 billion revenue deficit ... Report predicts $36 billion revenue deficit in 15 years possible
Senate panel, on party-line vote, approves bill increasing minimum ...
ABQnews Seeker
A push to increase the minimum ... A push to increase the minimum age to buy certain firearms from 18 to 21 cleared its first Senate hurdle Monday, after a heated ...
Bill aimed at bolstering NM's patchwork rural health care ...
ABQnews Seeker
A proposal to tap New Mexico's ... A proposal to tap New Mexico's revenue windfall to bolster health care services in rural parts of the state where residents frequently have to ...
New Mexico bill to restrict lobbyist ‘revolving door’ advances
ABQnews Seeker
A proposal moving through the Senate ... A proposal moving through the Senate would prohibit former legislators and appointees working under the governor from returning immediately to the Roundhouse as paid ...
New Mexico’s checkerspot butterfly placed on Endangered Species List
ABQnews Seeker
With more Sacramento Mountains checkerspot butterflies ... With more Sacramento Mountains checkerspot butterflies being raised at the ABQ BioPark than found in the wild, the U.S. Fish and Wildlife Service is ...
No drama for birthday llama: ABQ llama celebrates 27th ...
ABQnews Seeker
'This llama is bringing everyone together,' ... 'This llama is bringing everyone together,' says family friend