It starts with a letter from Medicredit asking you to pay off an outstanding credit card or personal loan debt. You toss the letter into the trash and consider the problem solved.
However, because Medicredit paid pennies on the dollar to buy the debt from the original creditor, the debt collection agency is highly motivated to pursue every strategy in attempts to collect on the debt in question.
Frequent phone calls throughout the day mean the third party debt collection agency is serious about closing the credit card or personal loan account successfully.
How many times can Medicredit call you? The answer is as many times as the bill collector wants, if it follows the legal provisions written into an important consumer protection law.
You have the right to request the phone calls to stop, but there is not a federal law that limits the number of phone calls a debt collection agency can place to your home and/or cell phone number.
You might be able to stop the phone calls from Medicredit when the third party debt collector crosses the legal line.
How to Get Medicredit to Stop Calling You
By working with a licensed consumer protection lawyer, you ensure you receive all the rights granted by the Fair Debt Collection Practices Act (FDCPA) of 1977.
You can ignore bill collector phone calls or hang up on debt collection agencies, but the calls will keep on coming until you experience one or more violations of the FDCPA.
You should record every phone call made by Medicredit to document harassment.
The FDCPA prohibits harassment in the form of abusive language and threats issued by a third party debt collector.
A bill collector such as Medicredit is also not allowed to implement deceptive debt collection techniques in pursuit of outstanding consumer debts.
Deception can involve impersonating a law enforcement agency or contacting friends and/or family members to coerce you into paying off a delinquent credit card or personal loan account.
In addition, the FDCPA grants you the right to send a cease and desist letter to Medicredit that stops all forms of communication.
You also might be able to invoke the statue of limitations for debt collections that your state has defined.
![How Many Times Can Medicredit Call You?*]()
Are You Entitled to Damages Because of FDCPA Violations?
What happens when a bill collector violates one or more provisions of the FDCPA? The answer depends on whether you hire an experienced consumer protection attorney.
Your lawyer will uncover FDCPA violations, and then take legal action by filing a civil lawsuit.
The civil lawsuit filed by your lawyer can include language demanding compensation for a wide variety of reasons, which include physical, emotional, and and/or financial distress.
As the most common type of distress caused by a debt collection agency, physical problems can cover a wide variety of ailments.
You might experience heart issues triggered by immense stress or suffer from an ulcer because of non stop worrying about your financial predicament.
Whatever the reason for physical duress, your FDCPA lawyer must present evidence in court that verifies your claim.
Proof in the form of documentation and testimony from medical experts is often enough to have a court award you monetary damages for physical distress.
Contact a consumer protection attorney today to learn how the landmark FDCPA protects you against repeated harassing phone calls made by a third party debt collector.
Additional Resources
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Medicredit or any other third-party collection agency, you may not be entitled to any compensation.