Dealing with a debt collection agency such as Ad Astra Recovery Services can produce overwhelming stress and anxiety. From receiving frequent phone calls at work to having to tell loved ones about your financial crisis can cause considerable physical and emotional distress.
Fortunately, a landmark consumer protection law passed by the United States Congress in 1977 leveled the playing field between consumers and third party debt collectors.
The Fair Debt Collection Practices Act
Recognized as one of the most important federal consumer protection laws, the Fair Debt Collection Practices Act (FDCPA) makes it illegal for bill collectors to threaten consumers, as well as use abusive language that coerces consumers into paying off outstanding credit card and personal loan balances.
The FDCPA also outlaws the implementation of deceptive debt collection techniques, which include impersonating the IRS to explaining you might go to jail for refusing to pay off a delinquent consumer debt.
The FDCPA established several methods for consumers to stop debt collection agencies from pursuing the collection of outstanding consumer debts. You can send a cease and desist letter via certified mail to ensure a third party debt collector received your urgent request.
Another effective method is to invoke the statute of limitations established by your state for the collection of consumer debts. Any of the methods you use to stop Ad Astra Recovery Services in its legal tracks becomes much more effective when you work with a licensed FDCPA lawyer.
How to Prepare for a Lawsuit against Ad Astra Recovery Services
Your attorney will ensure Ad Astra Recovery Services complies with a cease and desist request. However, hiring a consumer protection lawyer is even more critical if you want to file a civil lawsuit to seek monetary damages for your pain and suffering.
Your lawyer knows exactly which paperwork to file, where to file the paperwork, and when to meet every filing deadline established by a civil court. Since maintaining accurate documentation is paramount, working with a licensed consumer protection attorney ensures every record contains accurate information.
In addition, an experienced FDCPA attorney will litigate your case to seek financial compensation for physical and/or emotional duress, as well as recover any lost wages caused by unlawful debt collection practices.
Filing a Claim to Recover Monetary Damages
Will filing a civil lawsuit against Ad Astra Recovery Services make you wealthy? Chances are the money you recover by filing a claim against the third party debt collector will go directly towards the bills that have mounted because of physical and/or emotional distress.
The FDCPA permits consumers to file claims against bill collectors to receive a one-time statutory reward of $1,000. The FDCPA does not allow consumers to receive monetary damages for each violation of the federal consumer protection law.
By hiring a FDCPA lawyer, you not only receive expert legal advice, you also work with an advocate that goes well beyond filing a civil lawsuit.
Your attorney might feel it is appropriate to file a complaint with the Consumer Protection Bureau, which is an organization that protects the rights of consumers from being trampled by financial institutions and debt collection agencies.
A complaint filed with the Federal Trade Commission shows Ad Astra Recovery Services you are serious about protecting your FDCPA rights.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Ad Astra Recovery Services or any other third-party collection ag