Before September 20, 1977, debt collection agencies used overly aggressive debt collection tactics to coerce consumers into paying off delinquent credit card and personal loan balances.
Sensing the growing outcry from consumers concerning aggressive debt collection practices, the United States Congress enacted a landmark consumer protection law called the Fair Debt Collection Practices Act (FDCPA).
At the heart of the FDCPA are dozens of previously allowed debt collection tactics that are now considered illegal. For example, a third party debt collector such as Premier Recovery Group cannot threaten to seize your property to pay off a consumer debt or threaten to put you in jail for not taking care of your bills.
The FDCPA also gives consumers the right to file civil lawsuits that include requests for monetary damages. Any financial award handed down by a judge or a jury is considered the punitive phase of a FDCPA lawsuit.
Examples of FDCPA Violations
Before you file a claim against Premier Recovery Group that addresses FDCPA violations, you need to know that the bill collector violated one or more provisions of the groundbreaking consumer protection law.
By working with an accomplished FDCPA attorney, you receive the type of sound legal advice that helps you move forward with your case.
Your lawyer will look for common FDCPA violations, such as a debt collection agency calling you at home and/or on your cell phone all hours of the day. The FDCPA limits debt collection phone calls to between the hours of 8 am and 9 pm.
In addition, a third party debt collector like Premier Recovery Group is forbidden to call you repeatedly throughout the day. Bill collectors are not allowed to contact friends and family members in regards to outstanding consumer debts.
By contacting a friend or relative, a debt collection agency is trying to shame you into settling a delinquent credit card or personal loan account. A FDCPA attorney is also a valuable asset whenever a bill collector refuses to honor a cease and desist order.
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Are You Eligible for Monetary Damages?
Enduring illegal debt collection practices can take a physical and emotional toll on you. The stress caused by having a debt collection agency hound you can trigger migraine headache symptoms, as well as elevate your blood pressure to an unhealthy level.
Other physical signs that are directly related to third party debt collector behavior include breaking out in skin rashes and suffering from fatigue brought on by many sleepless nights.
Having a FDCPA lawyer on your side is important when the time comes to prove any physical distress you suffer was the result of illegal debt collection agency techniques. Your FDCPA attorney will submit documentation and call expert witnesses to the stand to prove your case.
At the very least, you can seek up to $1,000 in statutory damages for the simple fact a bill collector violated the FDCPA.
Dealing with an aggressive debt collection agency can turn your world upside down. Speak with a licensed consume protection attorney to learn more about how the FDCPA can help protect you against illegal debt collection tactics.
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 Premier Recovery Group or any other third-party collection agency, you may not be entitled to any compensation.