It starts with letters that you quickly discard in the trash. A debt collection agency such as Avante USA, Ltd. is trying to collect the balance owed on a delinquent credit account or personal loan. You might throw the letters away, but a debt collection agency will not go away.
After failing to get a response to several letters, a debt collection agency will call you at home to ask questions about an outstanding debt. You now feel embarrassed enough to have the delinquent debt negatively impact your performance at work and your behavior at home.
Consumers mired in debt should not lose hope. The Fair Debt Collection Practices Act (FDCPA) prohibits third party debt collectors from using abusive language and making threats.
A debt collection agency like Avante USA, Ltd. also must follow strictly enforced provisions that prevent implementing deceptive techniques that trick consumers into resolving credit account or personal loan balances.
According to the FDCPA, a debt collection agency is permitted to call you between 8:00 am and 9:00 pm. The landmark law also makes it clear that you do not have to answer any of the questions asked by a debt collection agency.
What Information Should You Share?
If you decide to give information to a debt collection agency, make sure to consult with a licensed consumer protection lawyer first to know exactly what information to share. Expect a representative from Avante USDA, Ltd. to refer to a script that covers every phone exchange the representative has with you.
Unprepared consumers often share too much personal information, such as disclosing how much money they make each week or the amount of money owed to other creditors.
Your lawyer will ensure Avante USA, Ltd. follows every provision of the FDCPA, as well as craft a script that provides you with the right answers to questions asked by a debt collection agency.
Take Charge of a Phone Conversation with Avante USA, Ltd.
A debt collection agency representative follows a script that begins with asking to speak with a specific individual. The representative will use your first and last name, which can disrupt your concentration.
Move on from the first question by requesting the caller identify himself or herself, as well as the company he or she represents. The FDCPA clearly requires third party debt collectors to present identities.
After learning which debt collection agency has called you, it is time to take charge of the phone conversation by telling the representative you plan to tape record the phone call. After turning on a tape recorder, ask the debt collection agency representative to explain everything pertaining to the outstanding credit account or personal loan.
What you do not tell a representative from Avante USA, Ltd. is just as important as the information you share. You do not have to share personal financial information, such as how many vehicles you own or how much you pay for rent or the monthly mortgage.
The FDCPA allows consumers to request debt collection agencies to stop making phone calls. A properly written cease and desist letter from your FDCPA lawyer will end the phone calls from a third party debt collector.
If Avante USA, Ltd. continues to call you after receiving a certified cease and desist letter, you should speak with an experienced consumer protection lawyer to seek financial damages for violations of the FDCPA.
*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 Avante USA, Ltd. or any other third-party collection agency, you may not be entitled to any compensation.