Ignoring an outstanding credit card or personal loan debt is a typical tactic used by millions of American consumers. You might not hear from a creditor or debt collection agency for several months, until one day a letter arrives in the mail informing you that the time has come to pay off a consumer debt.
Ignoring the letter only leads to a third party debt collector like Glass Mountain Capital to call you at home. Moreover, the phone calls can come at an alarming rate that triggers acute anxiety.
How many times can Glass Mountain Capital call you? The answer is as many times as the bill collector wants within a specified period. There is not a federal law that limits the number of phone calls a debt collection agency can make in attempts to motivate consumers to pay their bills.
In addition, demanding a debt collection agency stop contacting does not stop the third party debt collector from implementing other legal strategies to get you to pay off a delinquent debt.
However, by hiring a licensed consumer protection lawyer, you might find another reason to stop the phone calls made by Glass Mountain Capital.
Hire a Lawyer to Stop Bill Collector Phone Calls
In many cases, hiring an experienced consumer protection lawyer will prompt a bill collector to stop calling you at home. Communication initiated by your lawyer can persuade Glass Mountain Capital to become more reasonable in resolving the outstanding credit card or personal loan account.
One of the biggest advantages of working with a consumer protection attorney is to receive all the legal rights granted by the Fair Debt Collection Practices Act (FDCPA).
In response to consumer complaints about being mistreated by creditors and debt collection agencies, the United States Congress enacted the FDCPA. Violations of the federal law include calling consumers after 9 pm and before 8 am.
For example, Glass Mountain Capital has the legal right to call your home throughout the day between 8 am and 9 pm. Just one phone call made by the debt collection agency at seven in the morning is grounds for your lawyer to seek monetary damages against Glass Mountain Capital.
Other violations of the FDCPA include when a third party dent collector uses abusive language, implements deceptive debt collection techniques, and makes phone calls to fellow workers and family members.
What Monetary Damages Does the FDCPA Allow?
If Glass Mountain Capital violates one or more provisions of the FDCPA, you have the right to take the bill collector to court and seek financial recovery for the damage caused by the illegal actions.
How your attorney proceeds against a third party debt collector depends on the ability of the lawyer to prove one or more types of negative effects caused by a FDCPA violation.
Physical distress represents the most frequent reason lawyers cite for recovering financial damages caused by unethical debt collection agency behavior. Physical duress can come in the form of an ulcer, skin rashes and/or heart issues caused by inordinate stress.
Your FDCPA attorney will prove physical duress by presenting medical documentation signed by a health care professional. You lawyer will also present every medical bill related to your FDCPA case, as well as call to the stand medical experts to confirm your condition.
Do not allow Glass Mountain Capital get the upper hand inside a courtroom. Speak with a highly rated FDCPA attorney today to ensure you receive all the legal protections granted by the landmark federal law.
*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 Glass Mountain Capital or any other third-party collection agency, you may not be entitled to any compensation.