Debt collectors like Amcol Systems, Inc. are routinely used to recover money owed by debtors. In the past, some debt collectors made a habit of harassing debtors repeatedly and occasionally using intimidating and sometimes threatening behavior. Their actions are regulated by the federal and state governments, which prevent them from constantly calling debtors and acting in an aggressive or threatening way. Debtors are entitled to take legal action with the help of an attorney if they feel that their rights under law are being disregarded.
What is the FDCPA?
The federal government has enacted legislation, the Federal Debt Collection Practices Act, or FDCPA, that regulates what third party debt collectors like Amcol Systems, Inc. can and cannot do. It recognizes their right to act as a debt collector on behalf of a creditor to whom you owe money and contact you with regard to your debt. It prevents the debt collector from:
- contacting you at anti-social times of the day or night;
- contacting you too often;
- using threatening or intimidating behavior;
- using physical force of any kind against you.
What is and What is Not Acceptable Behavior From Amcol Systems, Inc?
Amcol Systems, Inc. is not your creditor. You do not owe them any money. They have been contracted by a creditor to whom you owe money in an attempt to recover the debt more quickly. Whatever they do, their actions must be in line with the FDCPA. They can contact you between 8 a.m. and 9 p.m. unless you request them to stop pestering you or arrange for them to discuss your debt at a mutually agreed time. They cannot contact you too often. They cannot try and threaten you or intimidate you into paying your debt. If you ask them to stop contacting you they must agree to stop.
What to Do if Harassed by Amcol Systems, Inc.
If you feel you are being harassed by Amcol Systems inc. debt collectors and they continue to contact you after you have asked them to stop, you have the right under the FDCPA to take legal action against them.
It is a good idea to have evidence of their behavior such as recordings of any phone conversations or personal face to face contact, as well as a record of dates and times of contact to show that you were contacted too frequently or at anti-social times.
How an Attorney Can Help
You have the right to sue a debt collector if you believe they are breaching the FDCPA within 1 year of alleged illegal activity. You are able to sue for damages and legal fees, but you are still obligated to pay your debt to the creditor to whom you owe money. If you are considering taking legal action, it is a wise move to contact an attorney first to discuss the contact you have experienced. The attorney will have a good idea whether the debt collector’s actions are a breach of federal law and whether what evidence you have means you have a good chance of successfully suing the debt collector.
*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 Amcol Systems, Inc., or any other third-party collection agency, you may not be entitled to receive compensation.