If an unfortunate situation occurred which meant you fell behind with your monthly bills or an agent from Arnold Harris PC sent someone to your home to, wrongly accused you of owing a debt, don’t accept what has happened to you as the Fair Debt Collection Practices Act (FDCPA) will cover you for any illegal by debt collectors. The FDCPA came into force in 1978 to protect you and your family from undue harassment by 3rd party debt collectors.
Debt collectors can be ruthless and may ignore the provisions in the FDCPA. They may relentlessly pursue you for a debt until you finally give in. If you believe that that Arnold Scott Harris PC has been repeatedly calling you, you may be eligible to file an FDCPA lawsuit against the debt collector.
What Is a Debt Validation Letter? And Why Do You Need It?
Most of us know who we owe money to and the terms we have agreed upon for repayment of the debt. You should never release money to a debt collector unless you are sure you owe money in the first place. Debt collectors, by law, must send you a debt validation letter. This describes the debt, the amount you owe and the terms for repayment. If you are not aware of this debt and you have the evidence to prove it should not have been directed towards you may send the debt collector a letter asking for it to provide a debt verification letter which should provide information about the debt.
Once requested, Arnold Scott Harris PC has up to 5 days to send you a debt validation, if it fails to send you the debt validation letter, it is violating the provisions of the FDCPA and you may be eligible to claim damages.
Damages You May Be Entitled To
If a debtor can prove s/he doesn’t owe any money in a court of law s/he may be eligible to request $1,000 for statutory damages. You have to be able to furnish proof that the collection agency failed to validate your debt. Also the court may award actual damages, which should include both physical and emotional damages, compensation for lost wages and wage garnishment. The debt collector may also be told to cover a debtor’s attorney fees.
The award for physical damage typically covers ailments that are easy to prove, such as severe headaches, rashes and cardiovascular problems. If you are experiencing stress and anxiety due to the debt collector’s behavior your attorney may file a damage claims for emotional distress.
Talk to An Attorney Today
If Arnold Scott Harris, PC failed to validate your debt it will have to face the legal consequences for its actions. You should not ignore this matter but talk to an FDCPA attorney who specializes in debt collector harassment issues and find out about your legal options and how you can prevent Arnold Scott Harris, PC from harassing you. Fill out our Free Case Evaluation to be connected with an FDCPA attorney who takes on consumer law cases in your state.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Arnold Scott Harris PC., or any other third-party collection agency, you may not be entitled to compensation.