You patiently handled the abuse delivered by an unethical debt collection agency. The company called you repeatedly throughout the day, as well as threatened to file a lawsuit against you in a civil court. When the third party debt collector contacted a third party regarding your debt, all of your patience went out the proverbial window. Now you are mad, and you want to know what you can do to get a company like JTM Management, LLC off your back.
Fortunately, the United States Congress wrote a highly influential consumer protect law into federal statutes. Referred to as the Fair Debt Collection Practices Act (FDCPA), the historic federal consumer protection law makes it illegal for bill collectors to harass and intimidate consumers into taking action on outstanding credit card and personal loan accounts. The FDCPA also addresses the previously legal debt collection tactic of contacting a third party regarding your debt.
When Can JTM Management, LLC Contact a Third Party?
The FDCPA provides debt collection agencies with a few exceptions to the no contacting third party rule. For example, a company can contact a friend, a neighbor, a family member, or a professional colleague to obtain your contact information. Although the original creditor for the debt in question retained your contact information at the time of the credit application, you might have moved or the original creditor lost your information. Whatever the reason, a bill collector can contact a third party just once to collect your address and phone number.
If you gave a debt collection agency permission to contact another person regarding your debt, then the company is well within the law to contact the third party. Beware of a third party debt collector that claims you gave the company permission to contact a third party, when you did not approve any contact with a third party. The company making the claim must present documentation that proves you granted it permission to contact a third party.
Prohibited Third Party Contacts
Why do debt collection agencies reach out to third parties regarding consumer debts? The answer is to create enough embarrassment to motivate consumer to take action on delinquent credit card and personal loan balances. Contacting a parent or a sibling is an especially effective way to shame you settling an outstanding consumer debt. Nonetheless, a third party debt collector like JTM Management, LLC cannot discuss any element of your debt with a third party, which includes the amount of the balance and any legal action that is planned against you.
Seek Legal Help
Interacting with a debt collection agency can be stressful at best and at worst, cause you to make one or more mistakes. When you hire a state licensed consumer protection lawyer who specializes in litigating FDCPA cases, you will prevent the type of legal mistakes that can cost you a considerable amount of money. Your FDCPA attorney will conduct a comprehensive review of your case that includes examine every piece of evidence that confirms a third party debt collector broke the law by violating one or more provisions of the FDCPA.
Schedule a free initial consultation today with a highly skilled FDCPA lawyer.
*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 JTM Management, LLC, or any other third-party collection agency, you may not be entitled to compensation.