If your bills are past due, or if you are being falsely accused of owing a debt that isn’t yours, there are resources available to help you as well as your loved ones. The Fair Debt Collection Practices Act (FDCPA) was enacted in 1978. The FDCPA was enacted to put an end to the harassment and to stop unscrupulous debt collection. Unfortunately, not all third-party debt collectors abide by the collection laws and the FDCPA. If you believe that frequent calls from Hunter Warfield, Inc., are considered harassment and they will not properly validate your debt, you may be able to proceed with an FDCPA lawsuit.
What Is A Debt Validation Letter And Why Do You Need It?
Don’t start paying the debt that Hunter Warfield, Inc., has billed you for until you have confirmed that you owe the debt and it is your responsibility. When you ask for the debt to be validated, the collection agency has the legal obligation to respond to request. The debt must be outlined in detail, they must indicate how much you owe including the fees, and the basics about the original contract. If you don’t think you owe the debt, or if you don’t believe the total is correct, send a letter to Hunter Warfield, Inc., and ask them to send proof of the debt with detailed information about it.
The FDCPA indicates that the debt collector must respond promptly to your request for debt validation within 5 days of your request. If Hunter Warfield, Inc., doesn’t validate the debt within a timely manner, the FDCPA has been violated and you can pursue a lawsuit against them. You can ask to be compensated for your damages.
Damages You May Be Entitled To Recover
If you can prove you have a claim against Hunter Warfield, Inc., in court, you could recover $1,00 in statutory damages. The court may award you actual damages, such as physical and emotional damages, lost earnings, and garnished wages. The court may also hold Hunter Warfield, Inc., responsible for the legal costs that you accumulate.
Ailments that are easily proven, such as stress headaches, migraines, stress-related cardiac problems, hives, and other issues related to the traumatic experience. If you have depression, stress, or anxiety attacks, the lawyer might file a claim for emotional distress. You should maintain supporting documentation, such as medical records and medical bills, to prove that you suffered medical problems because of the stress associated with the collections process.
Speak With An FDCPA Attorney
If Hunter Warfield, Inc., has not properly validated your debt, they can face serious legal repercussions. Talk with an FDCPA lawyer who handles debt collection harassment cases in your state so you can learn more about your rights and protections. The attorney will help you stop the Hunter Warfield, Inc., harassment, and get control of the situation. Complete the Free Case Evaluation Form on this page to share the details with an FDCPA attorney in your area.
*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.