It can be a humiliating experience falling behind in your payments to a creditor. It can also be a frustrating and annoying experience if you have been contacted by a debt collection agency like Global Credit & Collection even though you have no recollection of owing any debt.
Third party debt collectors have a poor reputation for harassment and you may experience constant pestering by them whether you actually have a debt or not.
The Fair Debt Collection Practices Act (FDCPA), a federal law, prevents debt collectors from harassing you in anti-social hours as well as failing to provide details of the debt they are attempting to recover.
Any breach of the FDCPA by a debt collection agency may mean you have the right to pursue a lawsuit against them. Damages and legal costs can be recovered through a successful claim.
Global Credit & Collection – Company Profile
Global Credit & Collection (GCC) is a large, international business that specializes in debt collection services. Its headquarters are in Markham, a suburb of Toronto in Canada, but has regional bases in several other parts of the world including the U.S. where its regional HWQ is located in Chicago Illinois.
The company is a subsidiary of Affglo. GCC is not Better Business Bureau (BBB) accredited but has been assigned a rating of A- based on comments made to the BBB over the last 3 years.
What Is a Debt Validation Letter? And Why Do You Need It?
It is quite common for a debt collection agency to pester someone about a debt that doesn’t actually exist. It is not illegal for registered debt collectors to contact debtors on behalf of their creditor clients, but they must provide clear evidence and details of the debt they are attempting to recover.
If you have been contacted by a representative of GCC but are unsure why they are contacting you as you have no recollection of a debt or dispute the amount of debt, send the company a debt verification request.
Make sure the request is sent by registered mail so that there is proof of the date it was sent. The debt collector is required by law to provide a debt validation letter within 5 days of a request. If no debt validation letter is forthcoming, you have the right to pursue legal action against the company.
A lawsuit can be filed as long as it is within 1 year of any action by the debt collector that contravenes the FDCPA. Damages of up to $1,000 can be obtained through a lawsuit together with attorney’s fees and court costs. You will need an FDCPA attorney to advise and assist with your claim.
Talk to an Attorney Today
It’s not easy taking on an international corporation like Global Credit & Collection. However, the FDCPA provides clear guidelines for the way debt collection agencies are supposed to behave.
They are not allowed to harass debtors and must stop contacting a debtor if asked to do so as well as provide clear and explicit details of debts when this is requested. The FDCPA allows people who believe that the debt collector has been breaking the rules to sue them.
You are strongly advised to contact an FDCPA attorney as soon as possible for legal advice and help with your lawsuit. Use the Free Case Evaluation form below to be connected with a consumer law attorney who will help you with your case.
*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 Global Credit & Collection, or any other third-party collection agency, you may not be entitled to compensation.