Corporations often hire debt collection agencies to contact debtors about repayment on their behalf. If you are behind in payments for a debt, a debt collection agency such as JC Pacific Collections may be in contact with you about the issue.
To avoid the occurrence of debt collection agencies using deceptive, unfair, or even abusive practices against debtors, the Federal Trade Commission (FTC) created the Fair Debt Collection Practices Act (FDCPA) in the 1970s. The FDCPA sets out guidelines for debt collection agencies to follow and enables debtors to take legal action against a debt collection agency if they violate their rights under these guidelines.
JC Pacific Collections is a small debt collection agency based in Los Angeles, California.
What to Do if JC Pacific Collections is Trying to Collect a Debt from You*
If you have been contacted by JC Pacific Collections over a debt and feel as though they may have violated your rights protected under the FDCPA, there are certain actions you are able to take. For instance, many people might not know that you have the right to request that JC Pacific Collections stop contacting you about the debt in question. This request can be made verbally or through writing.
For best results, sending your written request for cease of contact as certified mail will act as proof of the request in the event that you do end up filing a lawsuit against the agency.
When JC Pacific Collections has received your request for cease of contact over a debt, they should stop contacting you. If they don’t, they may be in violation of the FDCPA. It would be helpful, in that case, to make a record of every attempt the agency makes to contact you since made your request. Keep a record of the date, time, and name of the call representative for every instance of contact. Note that under the FDCPA, each attempt to call you counts as a separate violation of your rights and may entitle you to up to $1,000 in damages.
Besides requesting JC Pacific Collections to stop contacting you and keeping a record of their calls, it may also be a good idea to retain an attorney who specializes in FDCPA lawsuits. An attorney will be able to help you receive the damages you are owed and deserved from JC Pacific Solutions for violating your rights.
An attorney will help you gather the evidence you need for your lawsuit, such as the call record mentioned above and any other necessary information. They will also be of assistance in determining how much money in damages you should rightfully seek against the agency. Lastly, a lawyer will help to make sure that the entire process of filing a claim goes as smooth as possible.
Once you have decided to pursue legal action against JC Pacific Collections, you have the option of filing a claim against them in state court, small claims court, through your state attorney general, or even with the FTC.
*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 JC Pacific Collections or any other third-party collection agency, you may not be entitled to any compensation.