You are sitting around a conference table waiting for the big office meeting to begin. Your Smartphone rings and since you expect the call to be from a co-worker on a business trip halfway across the country, you turn the speaker volume up for every one of your professional peers to hear.
Unfortunately, the phone call is from a representative working for Eastern Account System.
Receiving a phone call from a third party debt collector can produce considerable stress. The fear of the unknown and the anxiety caused by falling behind on a credit card account leads to many sleepless nights.
Up until September of 1977, consumers had no legal recourse to fight back against aggressive debt collection agencies. The Fair Debt Collection Practices Act (FDCPA) dramatically changed the bill collection game by granting consumers several rights.
Did you know that you do not have to answer any questions asked by a third party debt collector? A licensed consumer protection lawyer will educate about what you should say to a representative from Eastern Account System.
Have All the Right Answers for Eastern Account System
Expect a representative from Eastern Account System to have received extensive training for speaking with consumers over the phone. Debt collection agencies provide representatives with carefully drafted phone scripts that include a series of questions asked in logical order.
On the other hand, you come into a phone conversation with a bill collector totally unprepared on how to handle rapid fire questions.
When you work with a FDCPA lawyer, you will receive plenty of practice answering and declining to answer questions from a third party debt collector. In addition, your lawyer will explain every provision of the FDCPA that protects you against unlawful debt collection agency behavior.
If you want to file a lawsuit against Eastern Account System, your lawyer will know how to present your case to maximize monetary damages.
What to Do When a Debt Collection Agency Calls
A representative from Eastern Account System has only goal: to get you to pay an outstanding debt. Third party debt collectors either work directly for creditors or buy delinquent credit card and personal loan accounts for pennies on the dollar.
In either case, a representative from Eastern Account System wants to gain the upper hand right from the start of a phone call made to you. Your most effective strategy for taking a phone call from Eastern Account System involves informing the representative you plan to tape record the phone conversation.
Recording the phone conversation ensures a debt collection agency follows every provision of the FDCPA. If one or more FDCPA violations occur, you have enough evidence to take a bill collector to court. You should also request proof an outstanding exists.
Some dent collection agencies attempt to collect debts that do not exist or request payments that are much higher than what is owed on a credit card or personal loan account.
Do not allow a third party debt collector push you around over the phone. Speak with a consumer protection lawyer today to enjoy the legal rights granted by 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 Eastern Account System or any other third-party collection agency, you may not be entitled to any compensation.