Passed by the United States Congress on September 20, 1977, the Fair Debt Collection Practices Act (FDCPA) leveled the financial playing field between consumers and debt collection agencies.
Third party debt collectors cannot harass you by using abusive language or making clear threats in attempts to collect outstanding credit card and personal loan accounts. The landmark law also prohibits the implementation of deceptive techniques to trick consumers into paying debts they do not owe.
Taking a phone call from a representative with Synerprise Consulting Services, Inc. can cause acute stress. Your mental and physical health takes a hit, as you try to find a way to climb out of the financial hole dug by mounting personal debt.
A phone call from a third party debt collector can diminish your appetite or cause plenty of sleepless nights. By speaking with a licensed consumer protection lawyer, you gain the confidence on how to deal with Synerprise Consulting Services, Inc.
Know What to Say to a Bill Collector
The element of surprise is enough to disrupt the thought process of the savviest consumers. However, it is not the phone call itself that makes dealing with a debt collection agency a difficult thing to do.
Third party debt collectors such as Synerprise Consulting Services either hire seasoned professionals to make phone calls to consumers or thoroughly train new employees to gain the upper hand over the phone.
Representatives from debt collection agencies read from scripts that follow a time tested pattern. Because of your unfamiliarity with the FDCPA, you might answer questions you do not have to answer. Moreover, third party debt collectors must call consumers between 8:00 am and 9:00 pm.
Each violation of the phone call period can result in monetary damages awarded to you by the filing of a lawsuit.
What to Do When Speaking with Synerprise Consulting Services
The first phone exchange between you and a debt collection agency might go like this:
- Bill Collector: “May I speak with So and So”
- You: “Who is calling?”
It is a simple question that when not asked can lead to dire legal consequences. Make sure you ask the third party debt collector to provide identification information, including the name of the caller and the name of the debt collection agency.
After exchanging basic identification information, you should explain to a representative from Synerprise Consulting Services that you will tape the phone conversation. Under the FDCPA, you have the right to request a third party debt collector send you information about the outstanding credit card or personal loan account.
Remember you do not have to answer any questions asked by a representative from Synerprise Consulting Systems, Inc, especially questions that pertain to personal finance matters. A debt collection agency has no legal grounds to ask you where you bank and whether you owe money on other credit card or personal loan accounts.
Speaking with a properly trained representative from a debt collection agency can intimate unprepared consumers. Ensure you have all the tools you need to speak with a representative from Synerprise Consulting Services, Inc. by contacting an experienced FDCPA lawyer.
*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 Synerprise Consulting Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.