It starts with a letter demanding payment on the entire balance of a credit card account. You ignore the letter and eventually, written correspondence turns into threatening phone calls that occur repeatedly throughout the day.
Do you have any legal support to make the threatening phone calls stop? Under a groundbreaking consumer protection law, you do not have to let a debt collection agency such as Glass Mountain Capital, LLC harass you in any way.
In response to growing consumer outcry, the United States Congress enacted the Fair Debt Collection Practices Act (FDCPA). Considered by many legal scholars to represent the consumer bill of rights, the FDCPA lists a large number of illegal third party debt collection actions.
Moreover, the FDCPA permits consumers to seek financial compensation for suffering from bill collector abuse. If you have endured harassment from a debt collection agency, you should immediately contact a licensed FDCPA lawyer.
What Exactly Does the FDCPA Make Illegal?
One fact above all other facts define third party debt collectors: the businesses do not want consumers to know about their FDCPA rights. They also want consumers to fight back on their own, without the expertise of an experienced consumer protection attorney.
If Glass Mountain Capital, LLC has violated one or more provisions of the FDCPA, you should speak with a FDCPA lawyer to determine how to proceed with your case.
Your FDCPA attorney will review the actions taken by Glass Mountain Capital, Inc. Some of the potential violations of the FDCPA include issuing threats or using abusive language in attempts to coerce you into paying off a delinquent credit card or personal loan account.
Debt collection agencies are prohibited from threatening to seize private property, as well as threatening to involve the IRS in your debt collection case. Third party debt collectors cannot try to collect more than what is owed on a credit card or personal loan account.
They are also not permitted to collect money on an outstanding balance that has already been paid off by a consumer.
Potential Monetary Damages
Federal lawmakers gave teeth to the FDCPA by including a section that grants consumers the right to seek monetary damages for one or more violations of the monumental consumer protection law.
Financial compensation for physical distress can cover the cost of treating skin rashes, acute ulcers, and the pain caused by throbbing headaches. Your lawyer will present documentation linking your physical ailments to illegal debt collection agency practices.
You can also suffer from emotional duress, which can negatively impact relationships with family members and professional peers. Although it is more difficult to link emotional issues with illegal debt collection tactics, your best chance of making the connection is by working with an accomplished FDCPA.
At the minimum, the FDCPA allows a one-time financial award of $1,000 that covers statutory damages.
Speak with a consumer protection lawyer to learn more about how the FDCPA grants you the right to file a civil lawsuit for one or more violations of the landmark federal law.
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*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 Glass Mountain Capital, LLC or any other third-party collection agency, you may not be entitled to any compensation.