If you happen to have a large amount of debt and fall behind in paying your bills, you may be contacted by a debt collection agency. The Federal Trade Commission (FTC) developed the Fair Debt Collection Practices Act (FDCPA) in 1978 to make sure that these debt collectors avoid using unfair, deceptive, or abusive treatment with debtors.
The FDCPA was put in place to ensure that debt collectors follow certain guidelines, and the act also enables debtors to seek legal action if they believe a debt collection agency has violated their rights.
A-Z Asset Management Corporation is a small debt collection agency located in Miramar, Florida. They deal with collecting consumer debt from first party lenders and creditors.
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What to Do if A-Z Asset Management Corp Is Trying to Collect a Debt from You
If you feel as though your rights, protected under the FDCPA, have been violated by representatives from A-Z Asset Management Corp, there are certain actions you are able to take. First of all, you have the right to request that A-Z Asset Management Corp stops contacting you about your debt. You can do this by either making a verbal request or sending a written request. The best option would arguably be to send a written request as certified mail, in order to have proof in the event that you decide to take legal action against A-Z Asset Management Corp in a court of law.
When A-Z Asset Management Corp receives your request to cease contact they should stop contacting you. If they continue to contact you about your debt after you have made your request, you should remember to make a record of each call. It is a good idea to log the date, time, and name of the call representative for every instance.
Under the FDCPA, each call that the agency makes after you requested them to stop contacting you counts as a violation. If you choose to file a lawsuit against A-Z Asset Management Corp, each violation could earn you up to $1,000 in damages.
It may be a good idea to find an attorney who specializes in filing FDCPA claims. An attorney will be able to help you collect all of the evidence you will need for a successful lawsuit against A-Z Asset Management Corp. An attorney can also help you ensure the entire claim process goes smoothly, from requesting the correct amount of damages to pursuing A-Z Asset Management Corp in a court of law.
It is possible to file a claim against a debt collection agency such as A-Z Asset Management Corp in small claims court, state court, through the FTC, or with your local state attorney general.
*The content of this article is not applicable solely to A-Z Asset Management Corp, but to any third-party collection agency by which you claim to have been harassed.