Stress begins to mount the day you receive a letter from a debt collection agency that claims you owe thousands of dollars on an outstanding credit card or personal loan account. Then, the phone calls start, and not just a couple of phone calls spread over a few weeks.
A third party debt collector like Delta Outsource Group, Inc. calls you several times a day. Now, stress has transformed into strong anxiety that negatively impacts your career, as well as the relationships you have developed with friends and family members.
Do you have a legal recourse to stop bill collector phone calls? Unfortunately, a debt collection agency can call you as much as it wants. Your best legal strategy is to document violations of a groundbreaking federal consumer protection law.
Requesting Delta Outsource Group, Inc. to stop calling you does not prevent the third party debt collector from pursuing other debt collection methods. The bill collector can file a lawsuit against you and/or send a negative credit report to one of the three primary consumer reporting companies.
Hire an Attorney to Stop Debt Collection Agency Phone Calls
Consumers have legal rights when it comes to dealing with bill collector phone calls. You can ignore the phone calls or hang up on a debt collection agency that harasses you.
Hanging up the phone might appear to be a reasonable tactic, but a much better option for handling a third party debt collector phone calls is too hire a consumer protection lawyer who thoroughly understands every provision written into a monumental federal consumer protection law.
Enacted on September 20, 1977, the Fair Debt Collection Practices Act (FDCPA) leveled the legal playing field between consumers and bill collectors.
Although the FDCPA does not limit the number of phone calls a debt collection agency can make to your home and/or cell phone, the federal law does stipulate several instances when a third party debt collector crosses the legal line.
Delta Outsource Group, Inc. must place debt collection phone calls between the hours of 8 am and 9 pm. The bill collector is not allowed to issue threats, including the threat to file a lawsuit to collect what you owe on a delinquent credit card or personal loan account.
Suing Delta Outsource Group, Inc. for Monetary Damages
Having to deal with the harassment committed by a debt collection agency can produce considerable physical issues that often start with a rapid and significant increase in blood pressure.
Other symptoms of the physical duress triggered by illegal debt collection practices include ulcers, skin rashes, and heat attacks. The FDCPA allows consumers suffering physical duress to pursue monetary damages by filing civil lawsuits.
Your consumer protection lawyer will present anecdotal and documented evidence in court to prove your claim of suffering from physical problems. Some of the documents filed with a civil court include examination and treatment records.
Your lawyer will also call to the stand medical experts that can verify your physical distress claim. If the court believes there is a cause and effect relationship between your physical issues and the behavior of a third party debt collector, the court might grant you the right to recover most, if not all of the costs generated by medical treatments.
Speak with a licensed consumer protection lawyer to learn more about how the FDCPA helps you recoup the costs of suffering from physical distress.
*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.