If you owe a large amount of debt and fall behind in paying it back, the company or organization may hire a debt collection agency, such as Integrity Asset Partners, to contact you about repayment.
In order to avoid any harassment to debtors from these debt collection agencies, the Federal Trade Commission (FTC) enacted the Fair Debt Collection Practices Act (FDCPA). This act makes sure that debt collectors don’t use any abusive, unfair, or deceptive methods towards debtors and also enables debtors to take legal action against these agencies if their rights have been violated.
Integrity Asset Partners is a debt collection agency based in Woodland, Washington. They also have an office in Montana, where most of their debt collection calls are made. They have over 60 full-time call representatives making over 10,000 calls per day.
If you feel as though Integrity Asset Partners has violated your rights protected under the Fair Debt Collection Practices Act, there are options available to you to ensure that you are protected from harassment and can take legal action if necessary. First of all, you have the right to request that Integrity Asset Partners stop contacting you about this debt. This request can be made either verbally or in writing.
The best option may be to make a written request and send it through certified mail. Certified mail will provide proof that you made a request in case you decide to file a lawsuit against Integrity Asset Partners for violating your rights.
Once Integrity Asset Partners has received your cease of contact request, they must stop contacting you about that debt. If the agency continues to contact you, you should make a record of every attempt since they received your request.
Making a log that includes the date, time, and name of the call representative for each call will ensure that you receive all of the damages to which you are entitled. Note that under the FDCPA, each time the debt collection agency calls you after you request them to cease contact counts as a violation, and each separate violation can earn you up to $1,000 in damages in court.
Seeking legal help from an attorney who specializes in FDCPA violations is also a good idea. An attorney can help you file a successful lawsuit to ensure that Integrity Asset Partners stops harassing you and awards you the damages you deserve.
A lawyer will help you collect the evidence you need to file a claim, such as the record of calls mentioned above. They can also help you determine the correct amount of damages to seek from Integrity Asset Partners when filing a lawsuit, and overall they can make sure that the entire claims process runs smoothly.
If you do choose to pursue a lawsuit against Integrity Asset Partners, you have the option to file a claim in state court, small claims court, with the FTC, or through your state attorney general’s office.
*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 Integrity Asset Partners or any other third-party collection agency, you may not be entitled to any compensation.