Rosenthal, Morgan & Thomas and similar third-party collectors mostly behave scrupulously. Most of these companies have a legitimate service and treat the people they contact with politeness and respect.
Unfortunately, that isn’t always the case. Some third-party collectors are willing to harass consumers to no end, to the point that ringing phones can cause distress. It doesn’t have to be this way.
Victims of harassment from third-party collectors have options to make the aggressive behavior stop.
Know Your Rights
One of the best tools to get third-party collectors to stop engaging in bad behavior is the Fair Debt Collection Practices Act (FDCPA).
The FDCPA is a federal law that protects consumers from unscrupulous behavior taken on behalf of third-party collection agencies. Under the FDCPA, third-party collectors may not:
● Call you before 8 a.m. or after 9 p.m.
● Put your name on a “bad debt” list
● Take money out of your bank account
● Impersonate law enforcement or an IRS agent
● Ask you to pay more than you owe
This list isn’t exhaustive. If you’ve experienced anything similar, discuss your individual case with an attorney to see if you have any options for legal recourse. If you do, your attorney will likely suggest that you file a claim against Rosenthal, Morgan & Thomas.
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Going to Court with Rosenthal, Morgan & Thomas
After filing a claim against Rosenthal, Morgan & Thomas, the third-party collection agency will receive a notice from the court.
That notice will explain when to come to court and why the agency is being called in. Those parts of the notice are called the summons and the complaint, respectively.
Rosenthal, Morgan & Thomas’s representatives will take that notice seriously, and so should you. Do whatever it takes to get to court on time when you’re supposed to appear. Not doing so will only reflect badly on you and could put your case in jeopardy.
Keep in mind that you cannot go to jail for falling behind on your bills, and remember that having an attorney by your side will most likely make you feel more at ease.
What You Need to Prepare
Your attorney isn’t just there for comfort, of course. Your attorney is a critical part of preparing for your case.
First, you and your attorney will gather evidence. Examine your interactions with Rosenthal, Morgan & Thomas to determine if there were any FDCPA violations, and see if there is any evidence you can collect to support your case.
Evidence could include a change in your credit report after the company reported false information, a recorded phone call where an agent used profane language, or your name on a “bad debt” list. Flag this relevant evidence for your attorney; it’ll make his or her job much easier.
Additionally, your attorney will help you by preparing you for the questions you’ll receive in court. This will allow you to answer the other attorney’s questions with ease, which in turn will make you feel and appear more confident on your day in court.
Find An Attorney
It’s brave of you to consider filing a claim. But bravery doesn’t mean you have to do this solo.
An experienced FDCPA attorney is one of your best tools against unscrupulous collectors. Find one, and use his or her skills to make the harassment finally stop.
*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 Rosenthal, Morgan & Thomas, or any other third-party collection agency, you may not be entitled to any compensation.