You received a letter from a debt collection agency requesting you to pay off an outstanding credit card or a personal loan account. Ignoring the letter, you simply toss it into the trash and carry on with your business.
Two weeks later, a second letter from the third party debt collector arrives and this time, the language used to request payment on the debt is much more aggressive. The letter also sees the bottom of the trash can and your attention is diverted to other things.
Soon thereafter, a third letter arrives and this time, the bill collector is threatening legal action.
According to a landmark consumer protection law, the bill collector crossed the legal line by the way the company wrote the third letter. Passed into federal law in 1977, the Fair Debt Collection Practices Act (FDCPA) reversed a decades long trend of giving debt collection agencies such as Delta Outsource Group, Inc. the legal upper hand.
The FDCPA prohibits a long list of previously legal debt collection practices that include using deceptive techniques to trick consumers into paying off debts. For example, a third party debt collector is not allowed to impersonate the IRS or a law enforcement officer in an attempt to collect an overdue credit card or personal loan balance.
Delta Outsource Group, Inc. Cannot Threaten Legal Action
One of the primary intents of the United States Congress in crafting the FDCPA was to eliminate heavy-handed debt collection tactics. Consumers had complained for many years about receiving threats from bill collectors.
Congress made it clear that threatening consumers is against the law, but an emphasis was made within the FDCPA in regards to threatening legal action. Under the FDCPA, debt collection agencies like Delta Outsource Group, Inc. are clearly prohibited from issuing threats to file lawsuits.
Recent court decisions have expanded the legal purview of the provision covering threatening legal action. You should speak with a licensed consumer protection attorney to determine if Delta Outsource Group, Inc. implied a threat to take legal action.
How to Push Back against Illegal Threats
By speaking with a licensed consumer protection lawyer, you have taken the all-important first step in addressing the threats made by Delta Outsource Group, Inc. to take legal action. If your attorney discovers that the bill collector violated one or more provisions of the FDCPA, he or she might decide to initiate a lawsuit against Delta Outsource Group, Inc.
For a claim to move forward successfully, you will have to present your FDCPA lawyer with physical evidence that the debt collection agency violated the federal consumer protection law. Physical evidence comes in the form of the letter threatening legal action.
Your attorney will present the letter as evidence, as well as anything else that helps your case. Filing a claim opens the legal door for you to seek monetary damages for the pain and suffering caused by Delta Outsource, Group, Inc.
Take advantages of the rights granted by the FDCPA. Schedule a free initial consultation with a consumer protection lawyer who specializes in litigating FDCPA cases.
*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 Delta Outsource Group, Inc. or any other third-party collection agency, you may not be entitled to any compensation.