Do you have any rights when it comes to dealing with a debt collection agency?
Many third party debt collectors are highly motivated to wear down consumers by implementing less than ethical debt collection tactics. If you have dealt with an overly aggressive bill collector, a powerful consumer protection law passed by the United States Congress in 1977 can help you.
The Fair Debt Collection Practices Act (FDCPA) contains a long list of prohibited debt collection agency practices. For example, you do not have to endure the phone calls made by a third party debt collector in the middle of the night.
In addition to outlawing a large number of previously acceptable debt collection actions, the FDCPA also gives consumers the right to seek monetary damages for one or more violations of the landmark consumer protection law.
Do You Have a Valid Claim to File against Plaza Service, LLC?
Before you take legal action against a bill collector such as Plaza Service, LLC, you have to first determine if a valid claim exists. By working with a licensed FDCPA lawyer, you will learn if the debt collection agency has violated one or more provisions of the federal consumer protection law.
The FDCPA makes it illegal for bill collectors to contact friends and family members in attempts to shame consumers into paying off outstanding credit card and personal loan accounts.
A debt collection agency is not permitted to contact you at work, if the agency has a “reason to know” such calls are prohibited by your employer. Your employer does not have to tell Plaza Service, LLC about company policy; you can tell the third party debt collector to leave you alone at work.
At the heart of the FDCPA is legal language that bans the issuing of threats by bill collectors. Debt collection agencies cannot threaten to seize property or threaten to call the IRS and/or a law enforcement agency.
You do not have to tolerate abusive language that some bill collectors use to intimidate consumers. The FDCPA prohibits the implementation of deceptive debt collection practices like reporting false information on your credit report.
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Monetary Damages Awarded in FDCPA Cases
The FDCPA allows consumers to file claims against third party debt collectors that seek monetary damages. If you can prove Plaza Service, LLC violated one or more provisions of the FDCPA, but you cannot prove a direct connection between the violations and the suffering from physical and/or emotional distress, then the FDCPA allows you to seek a one-time financial award up to $1,000.
Physical duress symptoms include a high blood pressure and suffering from debilitating migraine headaches. Your FDCPA attorney will submit documents proving the link between your physical ailments and the illegal actions taken by a bill collector.
He or she will also ask for depositions from the health care professionals that treated you to verify your medical claims.
Do not allow Plaza Service, LLC walk all over you. Work with an experienced FDCPA lawyer who will help you prepare the evidence you need to file a successful lawsuit in a civil court.
Additional Resources
*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 Plaza Service, LLC or any other third-party collection agency, you may not be entitled to any compensation.