At first, receiving a couple of phone calls from a debt collection agency like SRS and Associates Inc. does not seem like a big deal. Then, what started as a couple of phone calls made to the home landline have morphed into nonstop calls sent to your cell phone voicemail system.
The annoyance of receiving phone calls from a third party debt collector have becomes a serious issue that causes you emotional distress.
How many times can SRS and Associates Inc. call you?
The short answer is as many times as the bill collector wants. Despite the legal protections granted to consumers by a landmark federal law, debt collection agencies do not have to stop calling consumers simply because consumers ask them to stop calling.
Moreover, under the Fair Debt Collection Practices Act (FDCPA) passed by the United States Congress in 1977, there is not a limit placed on the number of phone calls made by third party debt collectors.
How to Fight Back Against SRS and Associates Inc.
Although SRS and Associates Inc. can call you numerous times in attempts to collect an outstanding credit card or personal loan account, the FDCPA includes provisions that you can use to fight back against the bill collector.
If a debt collection agency crosses the legal line by using overly aggressive debt collection tactics, you have the right to take the third party debt collector to court. Overly aggressive debt collection practices includes making threats and using abusive language.
SRS and Associates Inc. must also comply with the FDCPA by making phone calls to your home or cell phone between the hours of 8 am and 9 pm.
Let’s assume SRS and Associates Inc. has violated one or more provisions of the FDCPA. What action should you take? The most effective strategy to make the phone calls stop from a bill collector involves hiring a licensed consumer protection attorney that has amassed considerable experience litigating FDCPA case.
When you hire a FDCPA lawyer, you can expect SRS and Associates Inc. to take your request to stop the phone calls seriously. The debt collection agency might not stop making phone calls, but by working with a FDCPA lawyer, you can end the phone calls by sending a certified cease and desist letter.
What Monetary Damages are You Entitled to under the FDCPA?
By enacting the FDCPA, the United States Congress gave consumer a powerful deterrent when it comes to aggressive bill collectors. Money talks, and it speaks volumes when your attorney files for monetary damages for one of more violations of the ground breaking federal law.
Constant harassment by a third debt collector can adversely affect personal and/or professional relationships. At home, your spouse might come across a phone message left by a third debt collector. More phone calls places considerable stress on your marriage.
At work, frequently going to voicemail to hear the messages left by SRS and Associates Inc. can diminish your professional performance. Financial woes often strain relationships; phone calls made by debt collection agencies can push strained relationships over the top.
The FDCPA permits consumers to sue for the emotional suffering caused by aggressive bill collector tactics.
Speak with a consumer protection lawyer to learn how the FDCPA can help you push back against SRS and Associates Inc.
*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 SRS and Associates Inc. or any other third-party collection agency, you may not be entitled to any compensation.