If you are being falsely accused of owing a debt that doesn’t belong to you, or if you have a past due account, there are resources available to help you and your family during this time. Congress passed the Fair Debt Collection Practices Act (FDCPA) in 1978 to put a stop to debt collectors harassing the consumers and their families.
If a collection agency violates the FDCPA, they can face harsh penalties. Despite the strict laws, there are debt collectors who violate the FDCPA. If Hunter Warfield, Inc., has violated the FDCPA, you can file a lawsuit against them for their actions depending on the circumstances surrounding your situation.
What Third Parties Can Debt Collectors Contact?
The FDCPA prohibits third-party collection agencies, such as Hunter Warfield, Inc., from discussing your debt with anyone who isn’t involved with your loan agreement. If you are living at home with your parents, Hunter Warfield, Inc., cannot tell them about your delinquent debt. They can only ask your parents your whereabouts and your contact information. If they say they are looking for you because you owe them money for a past due loan, they are in violation of the FDCPA. A spouse can only be contacted for specific situations, such as when they are also on the debt, or to verify contact information.
While the FDCPA does not prohibit collection agencies from contacting your place of employment, it does limit the frequency of calls and what can be said during the call. If your employer – or you – tells Hunter Warfield, Inc., that they can no longer call you at work, they are violating the FDCPA if they continue to do so. You can them file legal action against them. If a third-party is called by Hunter Warfield, Inc., about you, they can only ask for your phone number, your address, and your place of employment. If they ask anything else, they have violated the FDCPA.
What Contacting Third Parties Are In Violation Of The FDCPA
Enacted to prevent third-party debt collectors from harassing consumers because of past-due debts. It offers protection to the consumers and their loved ones from unscrupulous collection practices. Hunter Warfield, Inc., cannot do any of the following:
- Contact your spouse who isn’t on the debt more than once
- Contacting a spouse about specific debt details if their name isn’t on the debt
- Providing details about your debt to a non-involved spouse
- Leaving messages with your spouse regarding your delinquencies
Talk To An FDCPA Lawyer Today
If a third-party who isn’t involved with the debt was contacted about your delinquency by Hunter Warfield, Inc., you can file a claim against them and report their FDCPA violations. You should speak with an FDCPA attorney who addresses debt collection harassment matters. Fill out the Free Case Evaluation Form to determine the best way to proceed with your claim and to stop the harassment.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Hunter Warfield, Inc., or any other third-party collection agency, you may not be entitled to compensation.