You have legal rights as a debtor if you are being pestered by a debt collector like Glass Mountain capital. The federal and state governments have laws that regulate the activity of third party debt collection agencies like Glass Mountain Capital. While debt collectors are legally able to represent creditors, this does not mean they are able to keep calling you day and night or use any kind of intimidation. You are able to sue a debt collector in some circumstances if the agency breaches federal debt collection law.
What is the FDCPA?
The federal government regulates the activities of third party debt collection agencies like Glass Mountain Capital through the Federal Debt Collection Practices Act (FDCPA). They should only contact you about a debt that you owe one of their clients outside of clearly anti-social hours. For example, if they contact you before 8 a.m. or 9 p.m. this may be regarded as ‘anti-social’ unless you have come to an agreement that this is o.k. with you, for example if you do shift work. The FDCPA allows you to sue a debt collector who continues to call you after you have asked them to stop or if they use intimidating tactics to persuade you to repay your debt.
What is and What is Not Acceptable Behavior From Glass Mountain Capital
Third party debt collectors are legally allowed to contact you about your debt, but they cannot do this unless the time of the day is not anti-social and they cannot pester you, i.e. contact you several times a day. You have the right to ask the agency to stop contacting you or at least complain of their behavior. If the debt collector continues to make anti-social calls, or continues to threaten you then you have the right to sue the agency for damages and legal costs.
What to Do if Harassed by Glass Mountain Capital
If you think the debt collector is annoying you or threatening you, then you may take legal action against them. It is advisable to have sufficient evidence to support your lawsuit against them. From the start of their contact, you should keep a record of the times and dates they contact you. Also, make a note of what s said to you and how you responded. You may decide to use a voice recorder to record any conversations being made. You could let the debt collector know that you are recording their conversations and that you know about the FDCPA. Note that even if you were able to sue a debt collector you would still have to repay your debt.
How an Attorney can Help
It is worth discussing your contact with a debt collector with an attorney first, before filing a lawsuit. The attorney will tell you whether you have a reasonable chance of winning a lawsuit and will pursue a claim against the debt collector on your behalf if you have a good case against them.
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*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 Glass Mountain Capital, or any other third-party collection agency, you may not be entitled to receive compensation.