It starts with a letter demanding you pay off an outstanding debt. After ignoring subsequent letters, the debt collection agency that sent the letter begins to harass you by making repeated phone calls to your home landline throughout the day.
With the stress of dealing with a third party debt collector overwhelming you, there does not appear to be a way out of your financial mess. That is, until you refer to a landmark consumer protection law approved by the United States Congress in 1977.
The Fair Debt Collection Practices Act (FDCPA) contains numerous provisions that make previously legal debt collection tactics unlawful. In addition, the FDCPA permits consumers to file lawsuits seeking monetary damages.
First Step: Determine if You Have a Valid Claim
With the United States court system inundated with frivolous lawsuits, the judge presiding over a claim you filed against Sequium Asset Solutions, LLC will first decide whether your claim has merit under the FDCPA.
You have to be sure the bill collector violated one or more provisions of the federal consumer protection law. According to the FDCPA, Sequium Asset Solutions, LLC is barred from repeatedly calling you at home and at work at odd hours of the day.
Bill collectors use the tactic of making frequent phone calls in attempts to wear down consumers. The FDCPA specifically prohibits debt collection agencies from calling consumers between the hours of 9 pm and 8 am. Another FDCPA provision outlaws the long standing practice of using abusive language to coerce consumers into taking care of outstanding credit card and personal loan accounts.
Do You Qualify for Damages?
If you file a claim against Sequium Asset Solutions, LLC you might qualify for receiving just compensation for the pain and suffering caused by physical and/or emotional distress symptoms. Physical symptoms can include suffering from skin rashes and having to deal with a painful ulcer.
You will have to link the symptoms to the illegal actions used by a third party debt collector. Even if you cannot prove you suffer from physical and/or emotional duress symptoms, the FDCPA gives consumers the right to seek a one-time financial award up to $1,000 for all violations of the consumer protection law.
You will need to present evidence proving your claim of one or more FDCPA violations. To ensure you receive what you deserve, you should speak with a licensed FDCPA attorney.
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How an FDCPA Lawyer Can Help You
Fighting back on your own against Sequium Asset Solutions, LLC will end up being a losing battle. You can bank on the bill collector using the services of an accomplished team of lawyers that have vast experience litigating FDCPA cases.
You need the same level of legal expertise in your corner. By hiring a highly rated FDCPA attorney, you will receive the best legal counsel on how to proceed with your case. Your FDCPA attorney might decide to file a claim against Sequium Asset Solutions, LLC or opt to invoke the statute of limitations for the collection of debts as mandated by your state.
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 Sequium Asset Solutions, LLC or any other third-party collection agency, you may not be entitled to any compensation.