It starts with a landline call made to your home.
You and your family sit down to enjoy a home cooked meal when the phone rings. Instead of answering the call, you let it go to the answering machine. Expecting a call from someone you know, the call turns out to shake you to the core.
You have just received a phone call from a debt collection agency.
Third party debt collectors such as Collection Bureau of Hudson Valley do not stop attempting to call consumers after one landline call. They will relentlessly pursue consumers to collect outstanding credit card and personal loan debts.
The phone call you send to the home answering machine eventually ends up on your cell phone voicemail.
How many times can Collection Bureau of Hudson Valley call you, and what can you do to make the phone calls stop?
Methods You Have to Stop Bill Collector Phone Calls
Simply ignoring debt collection agency phone calls does not make the problem go away. You have to be proactive by using one of several methods to get the calls to stop. Consumers can ask third party debt collectors to stop calling, but politeness rarely gets you anywhere with a motivated bill collector.
You can invoke the statute of limitations mandated by your state. Debt collection agencies like Collection Bureau of Hudson Valley bank on the fact that most consumers are unaware of the statute of limitations placed on attempts to collect delinquent credit card and personal loan balances.
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to send a cease and desist letter to a third party debt collector. The letter clearly informs Collection Bureau of Hudson Valley that you have acquired legal representation to ensure compliance with the legally binding letter.
Another way to make the phone calls stop from a bill collector involves negotiating a settlement to the outstanding debt.
Does the FDCPA Allow You to Sue for Damages?
The FDCPA includes a section that spells out how to file for monetary damages, as well as how much a court can award consumers. As the most frequently cited reason for seeking monetary damages, physical distress can include skin rashes, debilitating migraine headaches, and much higher blood pressure readings.
Your FDCPA lawyer will present evidence in the form of medical documents and the testimony of one or more health care professionals that can verify your physical duress claims.
Litigating a FDCPA case can be expensive. Debt collection agencies employ seasoned attorneys that understand how to force consumers to relinquish their legal rights. By hiring a licensed consume protection lawyer, you level the legal playing field against Collection Bureau of Hudson Valley.
However, legal representation does not come cheap. One of the types of monetary damages you should recover against a third party debt collector is the costly attorney fees that quickly grow into another burdensome debt.
Don’t let Collection Bureau of Hudson Valley get the legal upper hand on you. Speak with an experienced FDCPA attorney today to stop the phone calls made by a third party debt collector.
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*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 Collection Bureau of Hudson Valley or any other third-party collection agency, you may not be entitled to any compensation.