If your bills are past due, or if you are being falsely accused of owing bills that aren’t yours, there are resources available to help you get the situation under control. Enacted in 1978, the Fair Debt Collection Practices Act (FDCPA) was created to help you stop being harassed by third-party debt collectors. There are strict laws to protect consumers, but not all third-party debt collectors adhere to those laws. If you believe that Debt Management Partners, LLC, has been harassing you with frequent calls, and they don’t properly validate your debt, then you may be able to pursue an FDCPA lawsuit against them.
What Is A Debt Validation Letter And Why Do You Need It?
Don’t start making payments to a debt collector for any bill until they have properly validated it and you are sure that it is your debt and that you owe it. When you make the request, debt collectors have the legal obligation to send proof of the debt within 5 days. The validation must provide proof of the original debt, the current amount owed, any fees, and the basic information to confirm the debt.
If you aren’t sure about the debt, or if you don’t believe you owe it, you should send a letter to Debt Management Partners, LLC, asking them to validate the debt and provide proof that you do owe the debt and the actual amount.
Based on the FDCPA requirements, the debt collector must respond to your request for debt validation within 5 days of your request. If the validation letter isn’t sent from Debt Management Partners, LLC, in a timely manner, they are violating the FDCPA and you can file a claim against them to recover compensation for the damages that they caused you.
Damages You May Be Entitled To Recover
If your claim against Debt Management Partners, LLC, is successful in court, you can recover as much as $1,000 for statutory damages. You may be able to recover emotional and physical damages, which are actual damages, along with garnished wages and lost earnings. The court may order Debt Management Partners, LLC, to cover your legal expenses.
Easily proven ailments, such as stress headaches, migraines, stress-induced heart issues, and rashes can be claimed as physical damages. If you suffer from depression, anxiety, and stress, your attorney may claim emotional distress. You should keep medical bills and medical records to show your losses and how they were related to the debt collection harassment.
Speak With An FDCPA Attorney
If Debt Management Partners, LLC, didn’t properly validate your debt, then they can face legal repercussions. You should speak with an FDCPA lawyer who handles debt collector who handles such cases in your area to learn your rights. Stop the harassment from Debt Management Partners, LLC, today by completing the Free Case Evaluation Form on this page to share the details with an attorney who handles FDCPA cases in your area today.
*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 Ace Cash Express, Inc., or any other third-party collection agency, you may not be entitled to compensation.