You receive a letter from Prince Parker & Associates requesting you pay off an outstanding home mortgage, credit card, or personal loan account. Like many consumers, you ignore the letter hoping the blemish on your credit report will simply disappear.
Debt collection agencies do not like being ignored by consumers. If you ignore a letter from Prince Parker & Associates, you can expect the written request to take care of a delinquent debt to morph into phone calls received at home and possibly at work as well.
Federal law does not limit the number of phone calls a third party debt collector can make to motivate you to pay off an outstanding debt. However, a landmark federal law established in 1977 prohibits several types of actions bill collectors use to coerce consumers into paying off outstanding debts.
If Prince Parker & Associates calls you, the best strategy for getting the phone calls to end involves working with a highly rated consumer protection lawyer.
Legal Limits Place on Prince Parker & Associates
Before 1977, debt collection agencies were legally allowed to run over consumers in the pursuit of collecting delinquent debts. Enacted on September 20, 1977, the Fair Debt Collection Practices Act (FDCPA) placed several restrictions on debt collection agency behavior, such as outlawing the use of deceptive debt collection techniques.
The FDCPA also forbids the implementation of aggressive debt collection tactics that include making threats to file a lawsuit to collect money owed on consumer credit accounts.
Does the FDCPA consider frequent phone calls to be illegal? The answer is no, unless the phone calls are made by bill collectors that use abusive language or make phone calls outside the legally accepted times of between 8 am and 9 pm.
You might receive several phone calls a day between 8 am and 9 pm, but it is the phone call made at 10 pm that constitutes a direct violation of the groundbreaking FDCPA.
The FDCPA also prohibits phone calls of any kind made to family members at their homes and professional peers at work in the quest to collect a delinquent consumer debt.
Monetary Damages Allowed under the FDCPA
When you think about possible monetary damages allowed for violations of the FDCPA, you probably think of the damages allowed for enduring physical and/or emotional duress.
Although physical ailments such as an ulcer and emotional pain caused by anxiety are viable reasons to seek monetary damages of the FDCPA, a licensed FDCPA attorney will also look at other possible reasons for filing a lawsuit in civil court that seeks monetary damages.
You might have experienced wage garnishment to pay off a delinquent credit card or personal loan account. If your consumer protection lawyer proves one or more violations of the FDCPA, you can request a civil court award you monetary damages to recover the wages lost because of a garnishment order.
You also have the legal right to recover the legal fees associated with defending your case in civil court.
Receiving frequent phone calls from a bill collector such as Prince Parker & Associates can cause considerable physical and emotional distress. Make sure you are compensated for one or more violations of the FDCPA by speaking with an experienced consumer protection attorney today.
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*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 Prince Parker & Associates or any other third-party collection agency, you may not be entitled to any compensation.