Did you know that debt collection agencies such as DCM Services purchase outstanding consumer debts from original creditors for a small fraction of what was originally owed?
The incredible profit margin motivates third party debt collectors to pursue delinquent credit card and personal loan accounts relentlessly.
This means consumers that fall behind on debt payments can expect bill collectors to call them at home.
How many times can DCM Services call you?
Although a federal law does not exist that limits the number of phone calls a debt collection agency is allowed to make, a federal law called the Fair Debt Collection Practices Act (FDCPA) prohibits consumer harassment.
Third party debt collectors are not permitted to call consumers nonstop throughout the day, as well as any time between 9 pm and 8 am.
If you experience harassment from a bill collector, you should immediately get in touch with a licensed FDCPA attorney.
Work with a Consumer Protection Lawyer to Stop the Phone Calls
You have the right under the FDCPA to ask DCM Services to stop calling you at home. However, the bill collector does not have to abide by your request unless you make the request via a formally written cease and desist letter.
Despite the legal protections granted to consumers, some debt collection agencies not only ignore the FDCPA, they also flaunt provisions like the prohibition on the use of abusive language and the implementation of deceptive debt collection techniques.
Hiring a FDCPA attorney might be all it takes to get a third party debt collector to back down. A licensed consumer protection lawyer brings credibility to your claim of illegal bill collector behavior.
Communications made by your lawyer to DCM Services can prompt the debt collection agency to become more reasonable in the attempt to collect an outstanding credit card or personal loan balance.
Even if a third party debt collector does not back down, you now have the legal counsel to submit formal complaints and/or file a lawsuit in a civil court.
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Are You Entitled to Monetary Damages?
If your FDCPA case goes to court, you might be eligible to receive monetary damages for the pain and suffering caused by DCM Services.
Physical duress is the most common reason consumers file lawsuits against third party debt collectors. Some examples of physical distress include ulcers, high blood pressure, and long lasting severe migraine headaches.
Your FDCPA attorney will meticulously document every visit to a medical facility for diagnosis, treatment, and most important, testimony from a physician linking your physical problems with the aggressive behavior of a bill collector.
As a more vague reason to seek monetary damages, emotional issues stem from constant debt collection agency harassment that includes threatening phone calls made at all hours of the day.
Emotional distress can spill over into personal and professional relationships. You might face marital problems triggered by emotional issues or have a difficult time interacting with your peers at work.
Diagnosing the emotional duress caused by illegal third party debt collector behavior is much harder to do than diagnosing the symptoms of physical distress.
You need strong legal representation to deal with the legal team assembled by a debt collection agency like DCM Service.
Speak with a highly rated consumer protection lawyer to learn more about how the FDCPA protects you against the constant harassing phone calls made by a third party debt collector.
Additional Resources
*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 DCM Services or any other third-party collection agency, you may not be entitled to any compensation.