The phone call doesn’t bother you. A representative from Gatestone & Co International called you at home to discuss an outstanding credit card account. The representative used a pleasant tone, with the request for you to call back the next day to make arrangements to settle the debt.
You fail to call the debt collection agency the next day and guess what happens next? The same representative from Gatestone & Co International calls you at home the very next day and leaves a message using the same pleasant tone the rep used the day before.
What you thought was a one and done phone call deal has turned into a once a day message left by the third party debt collector representative.
There is not a law at the federal level that limits the number of phone calls a bill collector can make to your home. The one a day scenario mentioned above is considered a reasonable number of phone calls made in an attempt to reach a debt settlement agreement.
If you want to stop a debt collection agency from calling you at home, you have to turn to other legally sanctioned methods to get the job done.
Methods Consumers Have to Stop Debt Collection Agency Phone Calls
By far the most effective strategy to get a third party debt collector to stop calling you involves sending the bill collector a cease and desist letter. The letter should use neutral language that informs Gatestone & Co International that you want the phone calls to stop.
A cease and desist letter also covers other forms of communication, such as emails and letters. Consumers that want to go the cease and desist letter route should consult with a licensed consumer protection lawyer.
Not only will an experienced attorney help you craft a well-written cease and desist letter, he or she will send the letter via certified mail to ensure Gatestone & Co International receives the letter.
Moreover, your consumer protection lawyer will also help protect all of the rights granted to consumers by the Fair Debt Collection Practices Act (FDCPA).
The FDCPA creates protections that include preventing bill collectors from harassing consumers, as well as limiting when debt collection agencies can call between 8 am and 9 pm. Your lawyer might seek to negotiate a debt settlement or discover the statute of limitations has run out on your delinquent credit card account.
Are You Entitled to Damages?
The FDCPA does much more than grant consumers legal protections against the illegal tactics used by third party debt collectors. You also have the right to file a lawsuit against Gatestone & Co International for one or more violations of the FDCPA.
You might file a lawsuit that seeks monetary damages for physical distress. Having to endure frequent bill collector phone calls can increase stress, which might lead to several heath issues like higher blood pressure readings.
Your FDCPA attorney will collect all of the documented medical evidence required to prove your health issues are directly related to the illegal conduct of a debt collection agency. Medical experts can bolster your case by providing testimony.
Rest assured Gatestone & Co International will have a legal team ready to fight you in court. Make sure you have the same powerful legal representation by speaking with a FDCPA lawyer 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 Gatestone & Co International or any other third-party collection agency, you may not be entitled to any compensation.