You have just wrapped up preparations for an important meeting. As you begin to head out for the start of the meeting, the phone on your office desk lights up with an incoming call. Thinking the call is from a work colleague, you quickly pick up the phone.
It is a decision you will regret.
On the other end of the line is a representative from Wakefield & Associates. The tone used by the representative is harsh, to say the least. You listen for about 30 seconds to an overly aggressive message demanding that you pay off an outstanding consumer debt.
After you hang up on the representative, you are at a loss as to how you can fight back against the harassing phone calls made by a third party debt collector. Fortunately, a landmark consumer protection law passed more than 40 years ago give you a fighting chance against Wakefield & Associates.
Harassing Phone Calls Outlawed by Federal Law
On September 20, 1977, the United States Congress passed the Fair Debt Collection Practices Act (FDCPA). Under the FDCPA, dozens of previously legal debt collection practices became unlawful.
Although the FDCPA covers a wide variety of illegal debt collection practices, the heart of the powerful consumer protection law is prohibiting harassing phone calls.
Phone calls that include some level of harassment cover a large number of practices. For example, a bill collector is not allowed to call you at work if your employer prohibits such phone calls in the workplace.
All you have to do is explain to a representative from Wakefield & Associates that he or she has the “right to know” your employer does not want debt collection agencies hassling employees on the job.
Your employer does not have to do anything to make the work phone calls stop. If a debt collection agency refuse to comply with your request, you should see if your state is a one party consent state for taping phone conversations.
How a FDCPA Lawyer Can Help You Stop Harassing Phone Calls
Many third party debt collectors refuse to comply with requests to stop harassing phone calls. If a bill collector such as Wakefield & Associates continues to harass you at work, you should speak with a licensed consumer protection attorney who specializes in litigating FDCPA cases.
By simply informing a debt collection agency that you now have legal counsel, the company might stop harassing you over the phone. If the hiring of legal counsel does not convince Wakefield & Associates to stop the harassment, your FDCPA lawyer might initiate a claim that seeks monetary damages for your pain and suffering.
Monetary Damages for FDCPA Violations
One of the previously acceptable debt collection actions that is now considered illegal involves a bill collector garnishing wages from a consumer, without first obtaining a court approved order for wage garnishment.
Most third party debt collectors go the legal route for wage garnishment, but that does not mean you cannot recover garnished wages by filing a FDCPA claim.
According to the FDCPA, if you prove a debt collection agency violated one or more provisions of the FDCPA and the company garnished your wage to pay off a debt, you have the right to recover the garnished wages.
Contact a FDCPA attorney today to learn how to end the harassing phone calls from a bill collector.
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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 Wakefield & Associates or any other third-party collection agency, you may not be entitled to any compensation.