If you have a large amount of debt and are falling behind in making payments, you may be contacted by a debt collection agency, such as Capital Collections LLC. Debt collectors have been known to sometimes use abusive, unfair, or deceptive practices when contacting debtors.
To combat this behavior, the Federal Trade Commission (FTC) enacted an act called the Fair Debt Collection Practices Act (FDCPA) in 1978. The FDCPA is meant to provide guidelines to avoid the harassment of debtors by debt collection agencies, and to enable debtors to seek legal action against an agency if they feel as though their rights under the FDCPA have been violated.
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Capital Collections LLC is a debt collection agency that specializes in the collection of commercial, housing, retail, healthcare, government, transportation, and even agricultural debts. Capital Collections LLC is located in Fresno, California.
What to Do if Capital Collections LLC Is Trying to Collect a Debt from You*
I’ve you’ve been contacted by 559-485-2127, this COULD be Capital Collections. If Capital Collections LLC is violating your rights under the FDCPA, you have certain options when it comes to taking action against them. First of all, you should request that the agency stops contacting you about your debt, which you have a right to do. You can make a verbal or written request. It is recommended that you make a written request and send it as certified mail. This way you have proof of the request if you later decide to file a lawsuit against Capital Collections LLC.
When Capital Collections LLC receives your request to cease contact about your debt, they should stop contacting you. If they continue to call you about your debt, it is a good idea to gather evidence of this by making a record of every call. Log the date, time, and name of the call representative for each call that Capital Collections LLC makes after your request for cease of contact. Each call will count as a separate violation of your rights under the FDCPA, which could award you up to $1,000, plus additional damages.
You may want to consider hiring an FDCPA attorney, who will be able to help you collect the evidence you need to successfully file a claim against Capital Collections LLC. The lawyer will also be able to determine the amount of damages you should seek when you pursue the agency in court. You can file an FDCPA claim against Capital Collections LLC in state court, in small claims court, through your state attorney general’s office, or with the FTC.
*Consumer Affairs: www.consumeraffairs.com
*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 Bay Area Credit Service or any other third-party collection agency, you may not be entitled to any compensation.