Have you received a phone call from General Revenue Corporation? If you have, you can expect the debt collection agency to continue calling you at home until you agree to resolve the outstanding credit card or personal loan account.
Although frequent phone calls from a third party debt collector appear to be a violation of your privacy, the fact remains bill collectors do not have any limits imposed on them by federal law when it comes to the number of phone calls they are allowed to make.
When you receive a phone call from General Revenue Corporation, it is in your best interest to try to reach an agreement with the bill collector. Debt collection agencies submit you outstanding credit account to each of the three major consumer credit reporting agencies.
A blemish on your credit report can reduce the likelihood of you receiving approval for other sources of credit. Even if you request General Revenue Corporation to stop calling you, the third party debt collector might come after you harder by making more phone calls or filing a lawsuit in civil court.
Do You Have Options to Make the Phone Calls Stop?
It might seem like a lost cause, but consumers do have legal remedies to fight back against unethical bill collectors that violate on or more provisions of a landmark federal law.
Passed by the United States Congress in 1977, the Fair Debt Collection Practices Act (FDCPA) contains numerous provisions that protect consumers against overly aggressive bill collector tactics.
For example, a representative from General Revenue Corporation is prohibited by the FDCPA from issuing threats or using abusive language in any form of communication. A debt collection agency can call you only between the hours of 8 am and 9 pm.
If a third party debt collector calls you just one time, but the call came after nine in the evening, the bill collector has violated a provision of the FDCPA.
Consumers that want to maximize their legal rights should work with a licensed consumer protection attorney. A FDCPA lawyer can file a complaint with the Federal Trade Commission (FTC), as well as contact your state Attorney General’s Office.
FDCPA attorneys are highly skilled at negotiating debt settlement agreements that fit within consumer budgets. Your primary goal is to erase the blemish on your credit report. Settling a debt for a fraction of the entire amount due is sometimes the best course of action.
Suing for Lost and Garnished Wages
The FDCPA has teeth because it allows consumers to sue for violations of the groundbreaking federal law. Repeated phone calls that used threatening language can wreak havoc on your emotional state.
This can lead to missed time at work, which reduces the amount of money you earn. A debt collection agency might obtain a wage garnishment order to whittle down a delinquent credit card or personal loan balance.
If General Revenue Corporation has crossed the legal line, you might be eligible to win monetary damages for lost wages and the income garnished from your paycheck.
Speak with a consumer protection attorney to learn more about how the FDCPA can help you fight back against a bill collector that implements illegal debt collection tactics.
*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 General Revenue Corporation or any other third-party collection agency, you may not be entitled to any compensation.