Have you endured harassing phone calls from a debt collection agency? If you answered yes, the physical and emotional toll harassing phone calls can take leave you wondering if there is anything you can do to make the phone calls stop.
According to a federal consumer protection law enacted in 1977, consumers are protected against the harassing phone calls placed by third party debt collectors like Plaza Service, LLC.
According to the Fair Debt Collection Practices Act (FDCPA), bill collectors must follow a strict set of guidelines when it comes to making phone calls to consumers. The United States Congress wrote numerous provisions into the FDCPA that deal exclusively with phone calls.
Prior to 1977, the telephone was a powerful weapon for bill collectors. Now, debt collection agencies must abide by restrictions that curtail overly aggressive debt collection efforts conducted over the phone.
The Big Phone Call Provision of the FDCPA
Some third party debt collectors follow a time tested practice of wearing down consumers by placing frequent phone calls throughout the day. The FDCPA prohibits repeated phone calls placed by bill collectors, but the definition of “repeated” varies among the civil courts operating in the United States.
A licensed consumer protection lawyer will make sure “repeated” means as few as phone calls as permitted by the court. The big phone calls provision of the FDCPA also forbids debt collection agencies from calling consumers on any line between the hours of 9 pm and 8 am.
If a third party debt collector calls you in the middle of the night, the first call you make is not to the bill collector, but instead, you should call an experienced FDCPA lawyer.
Stop the Harassing Phone Calls Placed by Plaza Service, LLC
Considered by many attorneys as the most effective deterrent for stopping debt collection agency phone calls, a cease and desist letter should be written by your attorney. If you write the formal notice, you might include emotionally charged language that taints your main message.
Your lawyer will request an end to all phone calls by using neutral, yet clear language that will hold up in a civil courtroom. Your attorney will inform Plaza Service, LLC. that if the third party debt collector continues to harass you, the next steps in the process involve contacting the Federal Trade Commission (FTC), as well as initiating a claim against the aggressive bill collector.
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Are You Eligible to Receive Monetary Damages?
The FDCPA contains dozens of provisions that make certain debt collection practices illegal. It also grants consumer the right to file a claim in a civil court that seeks monetary damages for the pain and suffering caused by harassing debt collection agency phone calls.
As the two most common reasons for filing a claim, physical and emotional distress can wreak havoc on your personal and professional lives. Some of the most cited types of physical duress are skin rashes, acute ulcers, and debilitating migraine headaches.
To prove physical and/or emotional distress symptoms are directly linked to the illegal actions of a bill collector, your lawyer will present evidence in the form of documentation and the expert testimony of witnesses from the healthcare industry.
Stop the harassing phone calls from Plaza Service, LLC. by contacting an accomplished FDCPA attorney.
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 Plaza Service, LLC. or any other third-party collection agency, you may not be entitled to any compensation.