You haven’t heard from a credit card company for a few months. The company had tried to get you to pay off an outstanding balance, but you never got around to wiping the credit slate clean.
After a few months of silence, a different type of phone call has started, one that is coming from a determined debt collection agency such as Accelerated Financial Solutions.
The phone calls from a third party debt collector eventually become much more frequent, which begs the question: How many times can a bill collector like Accelerated Financial Solutions call you?
Under a landmark consumer protection law, there is not a limit placed on the number of phone calls a debt collection agency can make to your cell phone and/or home landline.
However, the Fair Debt Collection Practices Act (FDCPA) clearly spells out what constitutes illegal debt collection behavior.
Methods the FDCPA Allows Consumers to Use
Passed by the United States Congress in 1977, the FDCPA dramatically changed how the debt collection game is played. Although there is not a limit on the number of phone calls Accelerated Financial
Solutions can make to you, some civil court decisions have punished third party debt collectors for harassing consumers by making a ridiculous number of phone calls.
In addition, the FDCPA prohibits bill collectors from issuing threats of any kind and using abusive language in attempts to coerce consumers to pay off delinquent credit card and personal loan accounts.
Accelerated Financial Solutions might not make “too many” phone calls, but the debt collection can violate the FDCPA by making any phone calls between 9 pm and 8 am.
The FDCPA gives consumers several options to stop the phone calls made by third party debt collectors. You can send a cease and desist letter, which is a formal request for a bill collector to stop contacting you by phone, email, and/or snail mail.
A licensed consumer protection lawyer can help you craft an effective cease and desist letter by using neutral language that convinces Accelerated Financial Solutions that you are serious about the request.
You might be able to invoke the state statute of limitations on the collection of outstanding credit card and personal loan balances.
State statute of limitations can be as short as one year or last longer than four years.
Are You Entitled to Monetary Damages?
Your FDCPA attorney will thoroughly examine your case and if he or she strongly believes the tactics implemented by a debt collection agency has harmed you, the lawyer might file a lawsuit requesting you receive monetary damages for the pain and suffering caused by illegal debt collection practices.
You can receive compensation for suffering from physical and/or emotional distress, as well as for lost wages and the income a debt collection agency has garnished.
By hiring an experienced consumer protection lawyer, you produce the evidence required to justify your pain and suffering claim.
Your attorney can also ask medical professionals to testify during a civil case to support your documented evidence.
When the legal dust settles and you have won your civil case, you can expect the ruling to include monetary damages that cover all legal fees.
Don’t allow Accelerated Financial Solutions to push you around. Speak with a FDCPA lawyer today to get the legal representation you deserve.
*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 Accelerated Financial Solutions or any other third-party collection agency, you may not be entitled to any compensation.