If General Revenue Corporation contacts you in regards to an outstanding credit account, you have the legal right to request no further communication by sending a cease and desist letter.
Under the Federal Debt Collection Practices Act (FDCPA) of 1977, consumers no longer have to endure harassment by phone or through snail mail.
Digital communications via email and text messages are also prohibited after the reception of a cease and desist letter. General Revenue Corporation can contact you one time after receiving a cease and desist letter under two conditions: Either to confirm receiving the letter or informing you of a pending lawsuit.
The FDCPA represents a ground breaking consumer protection law that prevents debt collection agencies from using abusive language or issuing physical threats to collect delinquent credit accounts.
Third party debt collectors such as General Revenue Corporation cannot deceive consumers into paying off debts. Deception can involve lying about a pending court date or impersonating a court appointed official.
The Benefits of Hiring a FDCPA Lawyer
Dealing with a debt collection agency is a serious legal matter that requires the services of a licensed and experienced consumer protection lawyer. A FDCPA lawyer will draft a legally binding cease and desist letter that not only complies with federal law, but also closely follows state law covering debt collection issues.
Your lawyer will not use emotionally charged language, which often motivates debt collection agencies to push harder for payment. A FDCPA lawyer will send the cease and desist letter by certified mail to ensure prompt delivery.
After receiving a cease and desist letter, a representative from General Revenue Corporation must sign a form to acknowledge receiving the letter.
What Your Lawyer Includes in a Cease and Desist Letter
Accomplished FDCPA lawyers fighting for consumer rights typically start a cease and desist letter with basic information such as date, as well as your legal name, address, and phone number. Then, your lawyer will reference public laws 95-109 and 99-361, which are otherwise known as the FDCPA.
The cease and desist letter clearly tells General Revenue Corporation not to contact you anymore, with the ramifications of violating the letter including complaints filed with the Federal Trade Commission (FTC) and your state’s Attorney General office.
The second paragraph should read like the following:
“If I’m contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you.”
Under Section 15 U.S.C c(c) of the FDCPA, you have the right to file for financial damages for every violation of the landmark law. Speak with a FDCPA attorney today to learn more about how the FDCPA protects you and what it takes to get General Revenue Corporation to stop trying to communicate with you.
*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 General Revenue Corporation or any other third-party collection agency, you may not be entitled to any compensation.