They say bad news travels fast and such is the case when a third party debt collector like Medicredit contacts you by phone. When you fall into debt, the emotional roller coaster ride never seems to end.
Fear and anxiety can overtake your life, as you try to find a way to make the phone calls from Medicredit stop. Fortunately, a federal law enacted in 1977 leveled the playing field for consumers that have to deal with debt collection agency phone calls.
Enact by the United States Congress on September 20, 1977, the Fair Debt Collection Practices Act (FDCPA) mandates that debt collectors must follow several guidelines in attempts to collect outstanding credit accounts and personal loans.
A third party debt collector cannot use abusive language or threaten you in any way. Federal law prohibits Medicredit from deceiving you into paying money you might not even owe. The FDCPA also clearly protects consumers by allowing them to stop all forms of communication from debt collectors, including phone calls.
What Information Should You Share?
A representative from Medicredit will use a written script during a phone conversation with you. The highly trained representative knows what to say and when to say it. Without the guidance of a licensed FDCPA lawyer, you can immediately lose leverage by offering information you do not have to share.
A consumer protection lawyer will ensure Medicredit does not overstep its legal responsibilities by harassing you at work or calling you at home late at night or early in the morning. Your lawyer will draft a script for you to use that covers several phone call scenarios with a representative from Medicredit.
What to Say to a Medicredit Representative
An experienced consumer protection lawyer should recommend you tape every phone conversation with a Medicredit representative. By recording phone conversations, you save evidence of any illegal behavior exhibited by Medicredit.
Make sure to let a Medicredit representative know that you are taping the phone call, as well as request information that confirms the existence of a delinquent debt.
You do not have to answer any of a debt collector’s questions. In fact, you have the legal right to ask Medicredit to stop contacting by mail and phone. If the phone calls continue after you ask for the calls to stop, your lawyer will draft a cease and desist letter.
By sending the letter via certified mail, you have proof Medicredit received the cease and desist request. If you decide to discuss the outstanding debt with a Medicredit representative, you should never divulge personal financial information like the name of your bank, as well as how often you receive a paycheck and how much money you bring home after taxes.
Every Medicredit representative that calls you has received thorough training that develops the persuasive communications skills required to manipulate consumers into doing things they do not want to do.
Speak with a licensed FDCPA lawyer to learn about all the legal rights granted to consumers by state and federal debt collection laws.
*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 Medicredit or any other third-party collection agency, you may not be entitled to any compensation.