Before September 20, 1977, debt collection agencies had few legal restrictions when it came to chasing down delinquent credit card and personal loan accounts. It was a common practice to intimidate consumers into paying off personal debts. Some of the tactics used included embarrassing consumers by calling friends and family members in regards to outstanding consumer debts. Shame is a powerful motivator and the telephone became a powerful tool to collect outstanding debts.
However, the United States Congress finally heard the outcry from consumers and as a consequence, the Fair Debt Collection Practices Act (FDCPA) became the supreme consumer protection law of the United States. The FDCPA prohibits previously acceptable debt collection practices like using deception to trick consumers into taking care of outstanding credit card and personal loan accounts. In addition, the FDCPA addresses a number of phone call related tactics that are no longer considered legal.
Phone Calls Provisions of the FDCPA
According to the FDCPA, debt collections agencies are restricted to certain times for calling consumers. Most consumers are aware of this important legal provision. However, most consumers do not know third party debt collectors are banned from making repeated phone calls throughout the day. This provision applies to phone calls made to your home landline, as well to your Smartphone.
The definition of “repeated” is not etched in legal stone, but by working with a licensed consumer protection attorney, you will learn whether Easter Account System is harassing you by calling you frequently all day long.
How to End the Phone Calls from Eastern Account System
Simply telling Eastern Account System to stop calling you will not be enough to encourage the third party debt collector to comply with your request. One of the first things your FDCPA attorney will do is find a way to give you peace of mind at home and at work. In addition to sending a cease and desist letter, your FDCPA lawyer will determine if the statute of limitations on the collection of consumer debts has expired. According to the FDCPA, every state can establish a statute of limitations. If the statute of limitation has expired on your debt, Eastern Account System must immediately cease all forms of communications.
Monetary Damages Granted by the FDCPA
To win monetary damages for suffering from physical and/or emotional duress, you have to provide enough evidence for a judge to see the connection clearly. Not every FDCPA cases ends with the awarding of monetary damages for pain and suffering. The FDCPA includes a provision that states consumers have the opportunity to seek statutory damages up to $1,000.
Statutory damages are awarded for all violations of the FDCPA, not for each violation of the groundbreaking consumer protection law. You also have the right under the FDCPA to receive injunctive relief from the debt collection efforts made by Eastern Account System.
Never allow a bill collector to push you around. Hire an experienced FDCPA attorney to determine whether you have a strong enough case to seek monetary damages from Eastern Account System.
*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 Eastern Account System or any other third-party collection agency, you may not be entitled to any compensation.