They say the pen is mightier than the sword, but when it comes to debt collection efforts, the pen falls to second place behind the all mighty telephone. Savvy debt collection agency representatives understand how to use the phone to manipulate consumers into paying off outstanding credit card and personal loan balances. By manipulate, we mean harassing consumers into a financial corner that they feel they cannot get out.
Fortunately, the United States Congress passed a consumer bill of rights in 1977 that outlaws numerous debt collection practice that were previously considered perfectly legal. Under the Fair Debt Collection Practices Act (FDCPA), third party debt collectors are forbidden to harass consumers in any way.
The powerful consumer protection law also includes provisions that allow consumer to seek monetary damages for violations of the federal consumer protection law.
Phone Call Harassment prohibited by the FDCPA
When you think of phone call harassment committed by bill collectors, you probably think about the frequency of the phone calls, as well as the odd hours in which the calls come in to your home or cell phone.
However, debt collection agencies commit phone call harassment by making other types of calls. For example, a third party debt collector that calls one of your friends or relatives to discuss your delinquent debt has committed a phone call violation under the FDCPA.
The same principle applies to phone calls that threaten you in any manner, such as issuing a threat to seize some of your private property for liquidation into cash. Another form of phone call harassment involves a bill collector requesting a consumer pay off a debt that has already been settled.
In any case, you should work with a licensed consume protection lawyer to get a debt collection agency such as National Recoveries, Inc. off your back.
Methods for Ending Harassing Phone Calls
The conventional way for stopping National Recoveries, Inc. from calling you is to send the third party debt collector a formal cease and desist notice. Nonetheless, your FDCPA lawyer might find another method to encourage the bill collector to refrain from calling you.
Your attorney might try to settle the debt in question through negotiations with National Recoveries, Inc. Negotiating with a debt collection agency can result in you paying a fraction of the amount owed, as well as restore your good credit name.
Another way to stop harassing phone calls is to point out the debt in question has already been paid off. Your lawyer will send the third party debt collector documentation that proves your point.
FDCPA and Monetary Damages
One of the best attributes of the FDCPA is that the federal consumer protection law allows consumers to seek monetary damages for the pain and suffering caused by phone call harassment.
According to the FDCPA, you have the right to seek monetary damages for the physical distress triggered by harassing phone calls. Some of the common symptoms of physical duress include ulcers and high blood pressure.
Your lawyer will have to submit medical documentation to prove the link between your physical issues and the actions taken by a bill collector.
Speak with an experienced FDCPA attorney today to stop the harassing phone calls made by National Recoveries, Inc.
*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 National Recoveries, Inc. or any other third-party collection agency, you may not be entitled to any compensation.