“It is not what you say, but what you do” is a timeless expression that we have heard many times throughout our lives. From a talk with our parents as a small child to a discussion with a professional mentor, the timeless expression is all about another saying that goes “Actions speak louder than words.” Unfortunately, words speak louder than action for many debt collection agencies.
Ever since consumer debt was created, third party debt collectors have implemented aggressive debt collection practices that have intimated consumers into paying off outstanding credit card and personal loan balances. The aggressive practices have mostly been based on what a representative from a bill collector says, which includes using abusive language and saying deceptive things to coerce consumers into taking care of personal debts.
In 1977, the United States Congress made it much more difficult for debt collection agencies to say things that harass consumers. Called the Fair Debt Collection Act (FDCPA), the federal consumer protection law prohibits a large number of debt collection tactics that went unpunished for decades.
Recovery Solutions Group Cannot Threaten You
In addition to outlawing the use of abusive language, the FDCPA also forbids third party debt collectors from harassing consumers by making repeated phone calls throughout the day. The FDCPA addresses phone call harassment in another way by outlawing phone calls made by bill collectors between the hours of 9 pm and 8 am.
Perhaps the most helpful prohibition written into the FDCPA addresses the long-standing practices of debt collection agencies issuing threats. According to the FDCPA, a third party debt collector such as Recovery Solutions Group is not allowed to threaten you in any way. The no threat provision prevents bill collectors from threatening legal action in the form of filing a lawsuit in civil court.
How to Prevent the Threat of Legal Action
It is difficult to fight back against a debt collection agency on your own. Your first course of action is to contact a licensed consumer protection attorney that has compiled an impressive record of successfully litigating FDCPA cases.
Your lawyer will explore every legal option that includes filing a claim against Recovery Solutions Group. To file a claim, your FDCPA attorney must obtain enough evidence that proves the third party debt collector violated one or more provisions of the FDCPA, including the provision that prohibits threats to take legal action. Your FDCPA lawyer might also seek monetary damages for any pain and suffering caused by the illegal actions taken by Recovery Solutions Group.
If there is not enough evidence to prove Recovery Solutions Group violated one or more provisions of the FDCPA, your attorney will seek an alternative method to stop the threats made by the bill collector. One highly effective strategy involves sending Recovery Solutions Group a formal cease and desist notice. Crafted by your lawyer, the cease and desist letter will clearly request Recovery Solutions Group to stop contacting you by phone, by letter and by email.
Speak with an experienced FDCPA lawyer today to stop the threats made by a debt collection agency to take legal action. Complete the Free Case Evaluation today!
*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 Recovery Solutions Group or any other third-party collection agency, you may not be entitled to any compensation.