If your bills are past due, or if you are being accused of owing a debt that isn’t yours, you do have legal resources available to help you and your friends and family. The Fair Debt Collection Practices Act (FDCPA) was enacted in 1978 to stop unscrupulous debt collection practices and the harassment of third-party debt collectors.
While there are strict laws in place, third-party debt collectors such as Tucker, Albin, and Associates often disregard those laws and continue harassing consumers. If they have harassed you, and they have failed to validate your debt, you can take legal action against them. Be sure to keep all your supporting evidence.
What Is A Debt Validation Letter And Why Do You Need It?
Just because you receive a bill from Tucker, Albin, and Associated doesn’t mean you should pay it. You should always ask for validation of the debt. You have the legal right to ask Tucker, Albin, and Associates to send a validation letter, which should detail the original debt, proof that you owe it, the amount owed, any fees or other charges, and the other specifics regarding the debt.
They have five days to respond for your request for validation of debt. If they fail to respond to the debt, the FDCPA has been violated. You can file a claim against Tucker, Albin and Associates to recover compensation for the damages that they caused you through these illegal collection practices.
Damages You May Be Entitled To Recover
If you succeed with your claim against Tucker, Albin and Associates in court, you can get as much as $1,000 in statutory damages. You may also claim actual damages, such as physical and emotional damages.
Any ailments should be visible and/or easily proven, such as migraines, tension headaches, rashes or hives, and stress-induced cardiac conditions. You should seek medical care for these conditions.
You will need to provide supporting documentation, such as medical bills and medical records. The court can also hold Tucker, Albin and Associates responsible for your legal costs associated with the matter. You can claim emotional distress if the situation has caused anxiety, stress, or depression.
Also, you can ask for lost wages and garnished pay, but you must provide evidence to support your claim against Tucker, Albin and Associates.
Speak With An FDCPA Attorney
If you are being harassed by Tucker, Albin and Associates, or if they haven’t responded to your request for debt validation, you may have grounds to pursue legal action against them. Consult with an FDCPA lawyer who takes debt collector harassment claims in your area.
Your lawyer will explain your rights in detail and will work to stop the harassment. Complete the Free Case Evaluation Form on this page to share the details with an attorney who handles such cases in your area. You don’t have to take the harassment from Tucker, Albin and Associates any longer. Help is available, so file legal action against them.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Tucker, Albin & Associates, Inc., or any other third-party collection agency, you may not be entitled to any compensation.