It’s bad enough accruing a debt, but having a debt collection agency like Audit Systems Inc. constantly harass you about your debt is a frustrating and intimidating experience.
Fortunately, the federal government’s Fair Debt Collection Practices Act (FDCPA) prohibits constant harassment by a debt collection agency. If you feel that Audit Systems Inc. has overstepped their mark and are contravening the FDCPA you may be able to sue them for damages, including legal fees. A FDCPA attorney can provide you with valuable advice and legal help.
Audit Systems Inc. Company Profile
Audit Systems Inc. is a family owned debt collection agency with clients varying from the very largest of businesses right down to small businesses. It began operations in 1976 and has since expanded to a business that now employs 100 people. Audit Systems claims that it follows a family sensitive debt collection service and abides by the law in all its dealings with debtors.
What Is a Debt Validation Letter? And Why Do You Need It?
Debt collectors are expected to provide you with verification of the debt you owe a client of theirs. They cannot just ask you to pay back a debt you are unaware of. The FDCPA ensures that all debt collection agencies including Audit systems, Inc. follows the correct procedure.
If you have been contacted by a debt collector, you should first verify that the debt they are calling you about is actually yours. If you are not certain that the debt the agency is asking you about is any business of yours, you should certainly contact them and ask them to send a debt validation letter to confirm the nature of the debt and the amount owed.
The FDCPA requires debt collection agencies to provide a debt validation letter within 5 days of a request for them to do so. If they fail to keep to this timeline, you may be able to sue the debt collection agency as they would be then in violation of the FDCPA.
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A failure by a debt collection agency to abide by the FDCPA could mean that you are then able to file a lawsuit against them. Harassment, particularly repeatedly contacting you at all times of the day or night or failing to provide a debt validation letter is a direct contravention of the FDCPA. The federal government allows you to take legal action against the debt collector within 1 year of them breaking the law.
Taking on a powerful company like Audit Systems Inc. is not easy, especially when you are already worrying about repaying a debt. It is advisable to talk to an experienced FDCPA attorney about the harassment you have been experiencing. The attorney may be able to help you file a lawsuit against the agency. Use the Free Case Evaluation form below to be connected with a consumer law attorney who will help you with your case.
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Audit Systems, Inc., or any other third-party collection agency, you may not be entitled to compensation.