If you have outstanding bills for medical expenses, credit cards, or other
debts that you cannot pay, then chances are good that you are familiar
with phone calls from bill collectors.
Debt collectors can be relentless in pursuing people who owe money, and
the constant phone calls can become a large source of stress and frustration.
Even if you stop answering the phone, you may receive voicemails from
bill collectors on a daily basis.
You don’t have to put up with these calls and messages. You know
that you owe money, and these constant reminders do nothing but add strain
to your life. If you are being harassed by debt collectors, learn more
about your options to stop the abuse.
Debt collectors must follow specific rules set up by the Fair Debt Collection
Practices Act (FDCPA). Under this federal statute, bill collectors cannot
take several actions, including harassing your family members, calling
your place of work, threatening you with jail, or contacting you before
8 a.m. or after 9 p.m.
While these rules are clear and well-established, many debt collection
companies violate the law every day. Some of them are brazen enough to
violate these rules in a voicemail, which can be solid evidence of an
FDCPA violation. If you do receive voicemails from a bill collector, save
them and review them with an attorney experienced in FDCPA cases.
In addition to voicemails, you may receive pre-recorded phone calls from
debt collectors. These are often made using an automatic dialing system.
The federal Telephone Consumer Protection Act (TCPA) prohibits these types
of automated calls unless you have given a company or a bill collector
prior consent to contact you. Often, people give this type of consent
in the fine print of a contract or other agreement when purchasing a service
or applying for credit.
Even if you have given prior consent, the FDCPA allows you to request that
the debt collector stop contacting you. In order to do this, you must
send the debt collector a written notice that says that you do not want
any further communication, or that you refuse to pay the alleged debts.
Once this notice is received, the debt collector may no longer contact
you except in certain situations. For example, the debt collector may
be able to contact you to let you know that collection efforts are being
terminated, or that the debt collector intends to file a lawsuit.
Owing money doesn’t mean that you don’t have rights. If you
are being harassed by bill collectors who refuse to stop contacting you,
then you may be able to file a lawsuit and seek compensation. At Loan
Lawyers, our attorneys can help you stop illegal debt collection harassment,
enforce your rights in court, and negotiate a plan to reduce your debt.
Don’t spend another day avoiding telephone calls—schedule
your free consultation with our office by calling (844) FIGHT-13 (344-4813).