You arrive to work one day to find a post it note left by the company administrative assistance. No big deal, you think, until you see the note informs you that Recovery Solutions Group contacted the office regarding your debt. It is one thing to fall behind bills; it is quite another thing to find out at least one of your professional colleagues knows about your financial predicament. Fortunately, a groundbreaking consumer protection law has your back.
Enacted by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) prohibits a third party debt collector like Recovery Solutions Group from contacting a professional peer regarding a delinquent credit card or a personal loan balance. The FDCPA contains dozens of other provisions that ban the longstanding practice of bill collectors using overly aggressive debt collection techniques to coerce consumers into taking care of their bills.
Overview of the FDCPA Third Party Provision
Many consumers are confused about the third party provision of the FDCPA. Does the FDCPA forbid every type of contact made between a bill collector and someone you know? The federal consumer protection law clearly prohibits debt collection agencies from discussing consumer debts with third parties.
This means Recovery Solutions Group cannot call your office and leave a message for a co-worker that concerns an outstanding debt. A third party debt collector is not permitted to mention anything about your debt, but there are a few exceptions to this legal rule.
For example, a representative from Recovery Solutions Group is allowed to contact a third party to obtain your contact information, which should only be your address and the best phone number to reach you. Third party debt collectors can call a third party for contact information just one time. It is not legal for a bill collector to call several of your closest friends to acquire your contact information. If a bill collector violates the third party provision of the FDCPA, it is highly recommended you collect plenty of evidence for presenting to a licensed consumer protection lawyer.
What an FDCPA Attorney Can Do
An experienced consumer protection lawyer that has considerable experience handling FDCPA cases will collect documentation demonstrating a bill collector contacted a third party regarding your debt. In the case of a colleague taking a phone message from Recovery Solutions Group, you want to ask the colleague to document the time of the phone call, as well as tape record future phone calls if you live in a one party consent state.
You can also invoke the “Right to know” clause of the FDCPA, which prevents a debt collection agency from contacting you at work. All you have to do is let the third party debt collector know your employer has banned phone calls made by bill collectors in the workplace. Your employer does not have to initiate action that stops debt collection agency phone calls.
Never let a debt collection agency get away from contacting one of your professional peers regarding a consumer debt. Take immediate action by scheduling a free initial consultation with a highly rated 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 Recovery Solutions Group or any other third-party collection agency, you may not be entitled to compensation.