Credence Resources Management, LLC acts as a third party debt collector and may have been instructed to contact you if you have an outstanding debt. Debt collectors may try and contact you constantly in the hope that you are intimidated enough to pay back the money you owe or come to an arrangement to pay back your debt through the debt collector. You may not realize that constant harassment or calling day or night is not legal. If this is what has been happening to you and the debt collector refused to stop pestering you, you have the right to take legal action. See an attorney about your options.
What is the FDCPA?
The Federal Debt Collection Practices Act (FDCPA) limits how debt collection agencies like Credence Resources Management, LLC contact debtors and, in particular, how often they call and at what times. Basically, they can contact debtors between 8 a.m. and 9 p.m. as long as a debtor does not ask them to stop calling. Intimidating or threatening behavior of any kind is not allowed. If a debtor thinks that a debt collector is breaching FDCPA standards, then he / she can file a lawsuit against the agency. Damages and legal fees may be won in a successful lawsuit.
What is and What is Not Acceptable Behavior From Credence Resources Management, LLC
The FDCPA regulates what a debt collector can or cannot do. Debt collectors work on behalf of an individual creditor and you, as a debtor, do not owe any money to the debt collector. The law allows debt collectors to make reasonable attempts to contact you to ask you about your debt. Unreasonable behavior includes contacting you at anti-social hours unless you agree to that. It also includes threatening or intimidating behavior which could also include threats of physical violence.
What to Do if Harassed by Credence Resources Management, LLC
If you have been contacted by a debt collector, it is in your interests to keep a record of the times and dates they contact you. Remember that they have the right to discuss your debt as long as it is not at an antisocial time of the day or night. They cannot pester you constantly and must cease contacting you if you insist they stop. The FDCPA does not absolve you from paying your debt.
Whatever you do about the debt collector does not have any effect on your financial obligation to repay your debt. In addition to keeping a record of any contact dates and times, if you have a voice recorder, record the conversations you have with the debt collector. If you are forced to file a lawsuit against a debt collector you will need evidence to prove that you were being unnecessarily contacted.
How an Attorney can Help
It would be difficult to pursue legal action against a debt collector without professional legal help. An attorney will know whether you have a good chance of suing a debt collector and can file a lawsuit on your behalf.
*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 Credence Resources Management, LLC , or any other third-party collection agency, you may not be entitled to receive compensation.