You’re preparing for an important meeting at work when the phone on your desk starts to ring. On the other end of the line is a representative from RGS Financial.
Your initial thought is to hang up the phone, but you decide to listen to the representative explain that the agency plans to pursue efforts to collect an outstanding debt you owe on a credit card balance. Can RGS Financial call you at work?
The answer is yes.
Debt collection agencies like RGS Financial are not restricted by federal law when it comes to calling consumers at work. However, you can take swift action to stop work phone calls made by third party debt collectors by invoking a phrase called “reason to know.”
Under federal law, “reason to know” means a bill collector understands your employer forbids any work phone calls made by debt collection agencies. All you have to do is send RGS Financial a formal notification that says your company does not permit bill collectors to contact employees on the job.
What happens when a third party debt collector ignores a “reason to know” request? You speak with a licensed consumer protection lawyer to fight back against the bill collector.
Methods for Stopping Debt Collection Agency Phone Calls at Work
Hiring an accomplished consumer protection lawyer ensures you enjoy every right granted by the landmark Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collection agencies from using abusive language and issuing threats in attempts to coerce consumers into paying off delinquent credit card and personal loan accounts.
Under the FDCPA, third party debt collectors are prohibited from implementing deceptive debt collection techniques, including impersonating the IRS and claiming you can go to jail because you refuse to take care of an outstanding consumer debt.
Your FDCPA lawyer has several ways to get RGS Financial to stop calling you at work and at home. By sending a certified cease and desist letter, you confirm the bill collector has received the formal request.
Another effective method to stop debt collection agency phone calls involves invoking the statute of limitations imposed by your state for the collection of delinquent consumer debts. Most state statute of limitations run between two and four years.
If every method used to stop third party debt collector phone calls does not work, you have the right to take the bill collector to civil court.
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Types of Monetary Damages Awarded in FDCPA Cases
The FDCPA grants consumers the right to seek monetary damages for one or more violations of the federal law. Physical issues arising from illegal debt collection agency tactics include chronic muscle pain and the onset of high blood pressure.
Your attorney must prove your allegations by submitting medical documents and asking medical professionals to testify in court. Emotional issues triggered by aggressive third party debt collector tactics can destroy marriages and produce irreconcilable differences with professional peers.
If you have lost wages because of missed time at work, the FDCPA grants you the right to recover all lost wages, as well as receive payment for any wages garnished by a bill collector. You are also entitled to receive compensation that covers attorney fees.
Take advantage of the rights granted by the FDCPA by contacting a highly rated consumer protection lawyer to schedule a free initial consultation.
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 RGS Financial or any other third-party collection agency, you may not be entitled to any compensation.