Debt collection agencies work to contact debtors about repayment on behalf of larger corporations, and they may contact you if you fall behind in making payments on a debt.
In order to ensure that these debt collection agencies use fair, honest, and agreeable practices, the Federal Trade Commission (FTC) enacted the Fair Debt Collection Practices Act (FDCPA) in the late 1970s. The FDCPA is meant to make sure that debt collection agencies follow certain guidelines for contacting debtors, and gives debtors the right to seek legal action against these agencies if their rights that are protected under the FDCPA have been violated.
Keystone Credit Services is a small debt collection agency located in Pennsylvania. They specialize in collecting third party debts for commercial debts, which are debts between businesses, as well as consumer debts, which are between a business and a customer.
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What to Do if Keystone Credit Services is Trying to Collect a Debt from You*
If Keystone Credit Services has been contacting you about a debt repayment and they have made you feel as though your rights under the FDCPA have been violated, there are certain options available to you. Most people might not realize that you do have the right to simply request that Keystone Credit Services stop contacting you about the debt in question. You can either make a verbal request over the phone or send them a written request. The recommended method to request cease of contact is by sending the agency a written request as certified mail. This way, you have proof that you actually made the request in case you need this information in court.
When Keystone Credit Services has received your request, they should stop contacting you about your debt from that point forward. If they continue to call you about your debt, you should make a record of every attempt, which will come in handy in a court of law if you should decide to pursue a lawsuit.
Make a log that includes the date, time, and name of the call representative for each time that Keystone Credit Services has attempted to contact you since they received your request. Keep in mind that each separate instance in which they attempt to call you counts as a violation of the FDCPA, and each violation may earn you up to $1,000 in damages.
Finally, you may want to retain a lawyer who specializes in FDCPA violation lawsuits. An attorney will ensure that you are awarded the damages from Keystone Credit Services to which you are entitled. They will help you collect the evidence you need to take to court and make sure you ask for a reasonable amount in damages for your lawsuit. An attorney will also generally ensure that the lawsuit process is as smooth and successful as possible.
When you are ready to pursue legal action against Keystone Credit Services, you have the option of filing a claim through small claims or state court, with the FTC, or with your state attorney general.
*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 Keystone Credit Services or any other third-party collection agency, you may not be entitled to any compensation.