Quantity versus quality.
It is a balancing act faced by manufacturers of consumer products. What is the optimal amount of goods that can be produced, without sacrificing quality? The same debate influences how consumers handle outstanding home mortgage, credit card, and personal loan accounts.
A landmark federal law answers the question of which is more legally important: The number of phone calls a debt collection agency makes or how a debt collection agency behaves during the phone calls.
Under the Fair Debt Collection Practices Act (FDCPA), a third party debt collector such as Rash Curtis & Associates is allowed to call you as many times as it wants between the hours of 8 am and 9 pm.
However, the bill collector is not allowed to use abusive language or make threats of any kind in attempts to collect delinquent consumer debts. One of more violations of the FDCPA can lead to the filing of a civil lawsuit.
Just make sure to work with a licensed consumer protection lawyer to counteract the legal team assembled by a debt collection agency.
Ways to Stop Harassing Debt Collection Agency Phone Calls
Trying to stop a third party debt collector from making phone calls that harass you can be overwhelming. Your anxiety level reaches the point when the phone calls begin to take a physical and emotional toll.
Do you simply ignore harassing phone calls from a third party debt collector or do you give the bill collector a piece of your mind? The answer is none of the above.
What you want to do is contact an experienced FDCPA lawyer that understands how to stop Rash Curtis & Associates from calling you. Your attorney might write a cease and desist letter sent via certified mail requesting an end to all phone calls.
A bill collector has two options for responding to a cease and desist letter. It can confirm reception of the letter or notify you of a pending lawsuit to collect an alleged outstanding debt.
Your lawyer might dispute the validity of the debt in question or invoke the statute of limitations set by the state where the alleged credit card or personal loan account originated.
Are You Allowed to Sue Rash Curtis & Associates for Monetary Damages?
The FDCPA not only establishes guidelines for debt collection agencies to follow, it also allows consumers to pursue monetary damages for one of more violations of the federal consumer protection law.
Most consumers worry about the physical and emotional implications of unethical debt collection agency practices. However, third party debt collectors also influence the wages earned by consumers.
You might suffer from a decrease in productivity, which negatively impacts how much money you earn. Physical and/or emotional distress can limit the amount of hours you work as well.
If you lose earning power because of the practices implemented by a bill collector, your FDCPA attorney will try to recover the lost wages by filing a lawsuit. Any wages lost because of a garnishment order can also be returned to you by winning a FDCPA civil lawsuit.
Speak with a highly rated consumer protection lawyer today to learn more about how the FDCPA prevents unscrupulous debt collection agency behavior.
*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 Rash Curtis & Associates or any other third-party collection agency, you may not be entitled to any compensation.