If you are being called far too often by a debt collection agency like IMC Credit Services, LLC, it may be a relief to know that they may be breaking a federal law known as the Federal Debt Collection Practices Act (FDCPA).
You are able to file a lawsuit against any debt collector that attempts to harass you or pester you with calls about your debt that continue day and night. See an attorney about your legal options.
What is the FDCPA?
The FDCPA is a federal law that has been strengthened in the last decade to give protection to debtors who are being constantly contacted by a third party debt collector like IMC Credit Services LLC. The law does not give you the right to cancel your debt.
This is money you owe to a creditor, and not to the debt collector, who is only acting on behalf of the creditor. You may be able to sue the debt collector if you have evidence of persistent calling or intimidating language or behavior against you.
A successful lawsuit may result in an award of damages plus legal costs.
What is and What is Not Acceptable Behavior From IMC Credit Services, LLC
Debt collectors are quite legal. They act on behalf of creditors and attempt to get debtors to repay debts. They must only contact a debtor outside of antisocial hours.
For the purposes of the FDCPA, this means contact between 8 a.m. and 9 p.m. on weekdays. If you make an arrangement with the debt collector to talk to them outside of these hours, then this is appropriate, too.
Note that you have a year to file a lawsuit which alleges constant pestering. In most personal injury cases, the sooner you get legal advice and file claim, the easier you will find it.
What to Do if Harassed by IMC Credit Services, LLC
One way to make sure you have sufficient evidence of harassment by an IMC Credit Services, LLC, representative is to show details of exactly when you were contacted and what was said or demanded at those times.
It is sufficient to maintain a diary of contacts after the first contact with a debt collector. It could be useful and perfectly legal to record the conversations you have with a debt collector.
One way to do this is to use the ‘voice recorder’ app or facility you have on your cell phone. Make sure you are at all times polite and attentive.
If you think that the debt collector is being annoying and it upsets you, consider filing a lawsuit against them. You will need an attorney to help you with the case against the debt collector.
How an Attorney can Help
Although it is perfectly possible to represent yourself in court, it is preferable to seem assistance from an attorney. The attorney will consider your case and advise you whether a claim against the debt collector is advisable.
If a claim against the debt collector has a good chance of success, then you may be awarded damages and legal costs.