It starts when you check your cell phone voicemail first thing in the morning. Then, the messages come in like a torrent of rain throughout the day at work. When you arrive home at night, you see the home answering machine is lit up like a Christmas tree.
You are being overwhelmed with debt collection agency phone calls.
Not only are the number of calls overwhelming, many of the calls are meant to harass you into paying off a delinquent credit card or personal loan account. Do you have to put up with the constant harassment? You do not, if you invoke one or more of the provisions written into a landmark consumer protection law.
Acts of Phone Harassment Prohibited by Federal Consumer Protection Law
In response to the rancor of outraged consumers, the United States Congress adopted the Fair Debt Collection Practices Act (FDCPA). The primary intent of the FDCPA was to cover every American consumer by making it illegal to implement previously acceptable debt collection tactics. For example, the FDCPA makes it illegal for a third party debt collector such as Avante USA, Ltd. to use abusive language when making phone calls to consumers. The FDCPA also forbids bill collectors from issuing threats of any kind. Phone threats banned by the FDCPA include threatening to seize private property or act like a loan shark and threaten to cause physical harm.
Another illegal phone tactic used by some debt collection agencies today is to deceive customers into paying off outstanding personal debts. Deception can include impersonating the IRS or a federal law enforcement agency. A rapidly growing practice outlawed by the FDCPA involves requesting more money for a credit card or a personal loan balance than is actually owed. You should speak with a licensed FDCPA attorney if you come across a third party debt collector that harasses you over the phone.
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What a FDCPA Lawyer Can Do for You
A FDCPA attorney has several options in his or her legal bag to end harassing bill collector phone calls. One of the most effective methods is to invoke the statute of limitations for debt collection efforts as established by your state. The FDCPA gives each state the leeway for establishing statute of limitations for collecting consumer debts. The range of time varies between as low as two years and as high as 10 years. In any case, you can quickly stop harassing phone calls if the time clock for collecting your debt has expired.
How to Make Avante USA, Ltd. Pay for FDCPA Violations
Your FDCPA attorney will cover all of the options you have for making Avante USA, Ltd. pay for violating one or more provisions of the FDCPA. One way to win a claim is to seek financial relief for FDCPA violations, such as enduring a flurry of harassing phone calls. In addition to monetary damages, your lawyer can seek injunctive relief, which means a third party debt collector must stop calling you at home and at work. Injunctive relief can also include the demand that Avante USA, Ltd. stop sending you threatening letters.
Contact a highly recommended consumer protection lawyer today to learn more about how the FDCPA can end harassing debt collection agency phone calls.
Additional Resources
*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 Avante USA, Ltd. or any other third-party collection agency, you may not be entitled to any compensation.