If a debt collection agency calls you at home or reaches your cell number, you know about the stress caused by the phone calls. Shame, anxiety, and embarrassment are just a few of the negative side effects of debt collection agency phone calls.
Think about how you would feel if a third party debt collector called you at work.
When you submitted an application to open a credit card or personal loan account, you most likely had to send two different contact phone numbers: the numbers for your work and cell phones.
After getting nowhere with you by calling your cell number, a bill collector such as NCB Management Services, Inc. has no problem contacting you at work. After all, the financial stakes for the debt collection agency are high. Can NCB Management Services, Inc. call you at work?
The answer is yes, but you have several methods to make the phone calls stop.
What are the Methods to Stop Debt Collection Agency Phone Calls?
Enacted in 1977, the Fair Debt Collection Practices Act (FDCPA) provides consumers with several methods for ending the phone calls made by third party debt collectors. In regards to work phone calls, you can cite the “reason to know” clause of an important consumer protection law.
“Reason to know” means a bill collector understands your employer prohibits debt collection agency phone calls made to employees at work. You have to let NCB Management Services, Inc. know about your employer’s non-phone call policy.
The FDCPA also lists several illegal debt collection practices. It is unlawful for a third party debt collector to threaten you in any way, as well as use abusive language to coerce you into paying off a delinquent credit card or personal loan account.
Bill collectors are permitted to call consumers only between the hours of 8 am and 9 pm. In addition, debt collection agencies are not allowed to implement deceptive debt collection techniques.
Deception can come in the form of impersonating a government agency or claiming to be representing the legal interests of a loved one. Consumers that face illegal debt collection practices should work with a licensed FDCPA lawyer to ensure they receive all the legal protections granted by the landmark federal law.
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When to Pursue Monetary Damages
Consumers that fall victim to illegal debt collection agency practices might be eligible to file a civil suit that seeks monetary damages. You might endure physical and/or emotional distress caused by the unethical techniques implemented by a third party debt collector.
Another common reason for filing a civil lawsuit involves lost wages and the wages garnished to cover the cost of paying off an outstanding debt.
Your FDCPA attorney will submit detailed documents that clearly demonstrate how much money you lost because of time missed at work. The documentation will complement the paperwork filed for other life altering reasons, such as suffering from repeated intense migraine headaches or seeing an unhappy ending to your marriage.
For wage garnishment documentation, your consumer protection lawyer will submit a detailed account of when and how much a garnishee took from your paychecks.
Don’t allow NCB Management Services walk all over you. Speak with an accomplished FDCPA lawyer today to ensure you receive every right granted by the federal law.
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 NCB Management Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.