You are about to attend the weekly department meeting when your office phone lights up with a call. Startled, you pick up the phone and quickly sink into your chair because a representative from Recovery Solutions Group is on the other end of the connection. The phone calls sends you into a panic and it negatively impacts your participation in the weekly department meeting. There is a solution to end the harassing work phone calls made by a debt collection agency, and it involves invoking a provision of the landmark consumer protection law called the Fair Debt Collection Practices Act (FDCPA).
How does the FDCPA Define Phone Call Harassment
Perhaps no other aggressive third party debt collector tactic receives more scrutiny under the FDCPA than phone calls. A bill collector like Recovery Solutions Group is not allowed to make repeated phone calls to consumer throughout the day. The definition of “repeated” is not set in stone, but by working with a licensed consumer protection lawyer, you will be able to determine if the third party debt collector has crossed the legal line.
For work phone calls, the FDCPA includes a provision that is called “right to know.” The clause refers to informing a bill collector that it has the right to know your employer bans all the phone calls made to employees that refer to a debt collection effort. You employer does not have to inform Recovery Solutions Group. All you have to do is tell the debt collection agency your employer forbids debt collection-related phone calls in the workplace.
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Stopping Phone Call Harassment
Receiving phone calls from a third party debt collector can trigger extraordinary stress and anxiety. The repercussions at home are enough to send you into a tailspin. Throw in the phone calls made to you at work by Recovery Solutions Group, and you feel the world slowly sinking around you.
However, you can stop all the phone calls by implementing one of many methods an accomplished FDCPA attorney will recommend. One of the most effective methods is to invoke the statute of limitations placed on debt collection efforts by your state. The FDCPA gives states the power to limit the amount of time bill collectors have to pursue delinquent credit card and personal loan balances.
Qualifying for Monetary Damages
The FDCPA both outlaws third party debt collector tactics, as well as punishes illegal actions by awarding monetary damages to aggrieved consumers. As the most common type of pain and suffering, physical distress is caused by the direct actions taken by a bill collector. Common physical issues associated with illegal debt collection agency practices include skin rashes and acute migraine headaches.
Your FDCPA attorney will present documentation linking your physical duress with actions taken by Recovery Solutions Group. He or she will also call to the stand experts recognized by the court that can directly link your physical woes to the harassing phone calls made by a third party debt collector.
Never let a third party debt collector walk all over you. Contact a FDCPA lawyer to learn more about the consumer bill of rights.
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 Commonwealth Recovery Solutions Group or any other third-party collection agency, you may not be entitled to any compensation.