A third-party debt collector, Roquemore & Roquemore, Inc., calls those who have delinquent accounts. If you have a bill that is past due, you may be getting calls from Roquemore & Roquemore, Inc., that have turned into harassment.
If you are getting multiple calls per day or if you are being threatened, it can be considered harassment and they are in violation of the Fair Debt Collection Practices Act (FDCPA). If that is the case, you may be able to file a claim against them and recover compensation for your damages. Consult with an FDCPA attorney regarding your situation.
Phone Harassment That is FDCPA Violation
Because many debt collectors use unscrupulous practices or threaten consumers, Congress enacted the Fair Debt Collection Practices Act (FDCPA). The FDCPA establishes when you can be called and what can be said to you as a collection attempt.
Multiple calls per day can be considered harassment. As an example, they cannot call you later than 9 p.m. or earlier than 8 a.m. The collection agency employees cannot impersonate a police officer or claim to arrest you.
If Roquemore & Roquemore, Inc., has violated the state laws or the FDCPA, then they may face the penalties enforced by the Federal Trade Commission (FTC). The FTC oversees collection agencies and if a debt collector violates the FDCPA, they can fine them for the violation.
Document any calls you receive from the debt collector and keep all correspondence. Take notes about every call, so you can support your claim against Roquemore & Roquemore, Inc.
Ways to Stop Harassing Phone Calls from Roquemore & Roquemore, Inc.
If Roquemore & Roquemore, Inc., violated the FDCPA and harassed you, help is available. You don’t have to sit idly by and tolerate the threats. There are options.
You can ignore the calls. If you are disrespected, hang up on the caller. You can also tell the caller that you will be recording the conversation and do just that. You can also send a cease and desist letter, telling Roquemore & Roquemore, Inc., they can no longer contact you.
If after receiving the cease and desist letter Roquemore & Roquemore, Inc., continues to contact you, and if they harass you, the FDCPA is being violated. You should tell the collectors that you plan to file legal action and that you will file a complaint the FTC and tell them of their actions and violations.
Damages You May Be Entitled To
If Roquemore & Roquemore, Inc., violated the FDCPA through their contact with you, then you may be entitled to damages. There are several different kinds of damages that could result, such as emotional distress, physical distress, and lost wages. You may be able to hold them responsible for your legal expenses and even recover statutory damages depending on the situation.
Consult With An FDCPA Attorney
If Roquemore & Roquemore, Inc., has violated the FDCPA, then you should consult with an FDCPA lawyer who is licensed in your state. With the help of an attorney, you are much more likely to succeed with your claim against the collection agency.
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*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 Roquemore & Roquemore, Inc., or any other third-party collection agency, you may not be entitled to any compensation.