After a long day at work, you pull up into your driveway in anticipation of some much needed quiet time. Just as you get out of the car, your next door neighbor comes over to what you think will be a short conversation about small talk.
Instead, your neighbor informs you that a debt collection agency contacted her regarding an outstanding debt you have owed for months. Talk about embarrassing
One of the most persuasive methods used by third party debt collectors involves contacting third parties regarding outstanding credit card and personal loan accounts.
In response to consumer complaints about the practice, as well as many other overly aggressive debt collection practices, the United States Congress enacted the Fair Debt Collection Practices Act (FDCPA) on September 20, 1977.
The historically significant consumer protection law established a rigid set of guidelines pertaining to the practice of debt collection agencies contacting third parties regarding consumer debts.
If Radius Global Solutions, LLC, or any other bill collector for that matter, has contacted a third party, you should immediately get in touch with a licensed FDCPA attorney.
What Exceptions are there to the Third Party Provision?
According to the FDCPA, the third party provision of the FDCPA addresses the harassing debt collection technique of a bill collector contacting a third party and discussing a delinquent debt.
The FDCPA allows debt collection agencies like Radius Global Solutions, LLC to contact a neighbor to find out where you live, as well as the best phone number to reach you.
A debt collection agency must follow FDCPA guidelines that clearly state when a third party debt collector can contact anyone. For example, Radius Global solutions, LLC is forbidden from contacting your or a neighbor between the hours of 9 pm and 8 am.
In addition, the bill collector cannot make repeated phone calls throughout the day.
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How to Handle a Violation of the Third Party Provision
After you find out one or more of your neighbors has received a phone call from a bill collector, the first thing to do is to consult with a licensed consumer protection lawyer who specializes in handling FDCPA cases.
You need to act with a sense of urgency to keep your personal and professional reputation intact. Your FDCPA lawyer might decide to inform the Federal Trade Commission (FTC) and your state’s Attorney General Office about the FDCPA third party violation.
Another way to stop the harassment committed by a debt collection agency involves sending the company a formal cease and desist notice. A cease and desist letter clearly informs a third party debt collector about the consequences of not abiding by the cease and desist request.
Contact an Attorney about FDCPA Violations
You cannot expect to win a legal battle against a debt collection agency on your own. Third party debt collectors have accomplished lawyers on their payroll to handle consumer debt cases.
If Radius Global Solutions, LLC violated the FDCPA by contacting a third party regarding your debt, you should schedule a free initial consultation with an experienced FDCPA attorney.
Additional Resources
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Radius Global Solutions, LLC or any other third-party collection agency, you may not be entitled to compensation.