If a debt collection agency like Client Services, Inc. continues to harass you by frequently calling you at home throughout the day, you understand how the resultant fear and anxiety can negatively impact your personal life, as well as diminish your performance at work.
Fear and anxiety can be compounded by the fact that you have no idea why the company is implementing overly aggressive debt collection tactics.
You cannot recall ever owing money on the alleged debt and in fact, you know the debt is the responsibility of someone you know.
You do not have to take the overly aggressive debt collection practices used by a debt collection agency.
Enacted by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) makes it illegal for third party debt collectors to harass consumers by making repeated hostile phone calls at odd hours of the day.
In addition, the FDCPA forbids bill collectors from trying to collect invalid debts. The FDCPA gives you the right to launch a formal dispute by sending a company such as Client Services, Inc. a formal letter.
Ask for Help Crafting a Debt Dispute Letter
The key to getting a company like Client Services, Inc. to back down from trying to collect an alleged personal debt is to write a persuasive debt dispute letter.
Working with a state licensed consumer protection lawyer ensures you do not include any emotionally charged language in the letter.
An FDCPA attorney who has written numerous debt dispute letters can present your argument in an objective manner by using a balanced tone that is all about the legality of the debt.
Example of a Convincing Debt Dispute Letter
An experienced FDCPA attorney should have a template to follow for writing a persuasive debt dispute letter.
He or she starts the letter by adding the date and your contact information. Then, the letter should read something like this:
To whom it may concern:
A representative from Client Services, Inc. left me several phone messages concerning a delinquent personal debt.
This letter represents the official document that demonstrates I am contesting the legitimacy of the alleged outstanding account.
According to the FDCPA, you company is legally obligated to provide me with the following information:
- Copy of every bill statement that verifies the validity of the alleged debt
- Total amount owed on the debt in question
- Proof that I am legally liable for paying off the account
- Documentation that shows your company has a license to collect delinquent debts in the state where I live
You should also know that if Client Services, Inc. fails to fulfill its legal duty to send me the requested information, you can expect me to file a claim against your company for violating the FDCPA.
Consult with a Consumer Protection Lawyer
Time is not on your side when you receive a letter or a phone call from a bill collector.
You have just 30 days to dispute the legal validity of an alleged debt.
A highly rated FDCPA attorney helps you follow every guideline established by the groundbreaking federal consumer protection law in a timely manner.
Most FDCPA lawyers work on a contingency fee basis, which means the first meeting with an FDCPA attorney should not cost you any money.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Client Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.