If Synerprise Consulting Services has tried to call you or has sent you a letter in regards to collecting a debt, you might enjoy certain legal protections granted by the Texas Debt Collection Act (TDCA).
If a representative from Synerprise Consulting Services violates any provision of the TDCA, you have the legal right to contact an attorney who specializes in litigating consumer protection law cases.
Your Rights under the TDCA
You have the legal right under the TDCA to contest any item discovered on a third party debt collector’s report. The TDCA allows you to send a certified cease and desist letter to a third party debt collector like Synerprise Consulting Services to demand a stop to all forms of communication with you.
A debt collector has 30 days to respond to your certified cease and desist letter and if one or more items on your credit file are not correct, the TDCA requires debt collectors to make the corrections necessary by contacting any organization that has received the same inaccurate information.
The TCPA and the Statute of Limitations
Texas congressional leaders made sure to include concise language within the TDCA that clearly sets the terms for debt collection statute of limitations. The TDCA places a four-year limit on how long a debt collector can pursue collecting a delinquent debt from you.
Can a Debt Collector Add Fees?
Texas law allows original creditors to add fees and interest charges whenever borrowers stop sending in payments to pay off debts. Although Texas law requires third party debt collectors to explain every additional fee and surcharge attached to a debt, the law is much less clear when it comes to defining how much extra fees a third party debt collector can charge.
Section 393.302 mandates third party debt collectors must prove they have the legal authority to tack on late fees and interest surcharges.
Can Synerprise Consulting Services Garnish Your Wages?
Texas has implemented one of the toughest anti wage garnishment laws in the United States. A third part debt collector like Synerprise Consulting Services can file a wage garnishment request in court, but only to garnish wages for paying alimony, back taxes, student loans, and child support.
Third party debt collectors in Texas cannot request wage garnishments to cover credit card and personal loan debts.
Consult with a FDCPA Attorney
If you live in Texas and need to respond to inquiries sent by third part debt collectors like Synerprise Consulting Services, you should contact a licensed consumer protection law attorney that has experience handling FDCPA and TDCA cases.
Although the Texas Attorney General can take action against TDCA violators, you need to work with an attorney to help you win actual damages from an unscrupulous debt collector.
*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 Synerprise Consulting Services or any other third-party collection agency, you may not be entitled to any compensation.