If you are being contacted day and night by a debt collection agency like Audit Systems, Inc. and are losing sleep or are feeling intimidated, you may have the right to take legal action against the agency. Debt collection activity by third party debt collectors like Audit Systems, Inc. is regulated by federal law. If you have asked the debt collector to stop harassing you, but they continue to do so, you should see an attorney about your legal options.
What is the FDCPA?
The activities of third party debt collection agencies are regulated by the Federal Debt Collection Practices Act (FDCPA). This law has been successively strengthened in recent years and is designed to prevent debt collectors from continual pestering of debtors. It does not release you from your debt, but if you believe you have sufficient evidence that the debt collector has continued to harass you after you have asked it to stop, you may have the right to sue the agency for damages.
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What is and What is Not Acceptable Behavior From Audit Systems, Inc.
Audit Systems, Inc. is a third party debt collection agency. It is contracted to recover the debt you owe to a creditor. It is totally legal for the debt collector to contact you as long as it is not in anti-social hours and they do not contact you continuously. They cannot keep contacting you if you ask them to stop. They are not allowed to use any kind of intimidating tactics to force you to pay your debt. Their activity must conform to the FDCPA.
What to Do if Harassed by Audit Systems, Inc.
If you are constantly being contacted by Audit Systems, Inc. and they do not take any notice of you when you ask them to stop calling you, you should see an attorney about your legal options. The FDCPA allows you to sue the debt collector for damages and legal costs within 1 year of their actions.
You will need proof that the debt collectors have been acting unlawfully. One way to do this is to record dates and times of every contact a debt collector makes with you and what they say over the phone or when they see you face to face. Many simple cell phones have voice recorder apps on them that you can use quite legitimately to record conversations between you and the debt collector. If you want them to stop pestering you, it is a good idea to put a request for them to stop in writing and keep a copy of the request. The more evidence you have that shows that their actions have breached the FDCPA the more likely you will be successful in suing them.
How an Attorney can Help
You will find it easier to take legal action if you have already discussed the debt collector’s actions with an attorney and showed him / her what evidence you have that they have been breaching the FDCPA. The attorney will know whether you have a good chance of succeeding if you file a lawsuit against the debt collector and should pursue legal action on your behalf.
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 Audit Systems, Inc., or any other third-party collection agency, you may not be entitled to receive compensation.