You are about to give a presentation at work when your cell phone blows up with voice and text messages. Thinking the communications is from a frantic friend or a relative, you decide to check out the messages. Every one of the text and voice messages is from a debt collection agency demanding you pay the entire balance owed on an outstanding credit card or a personal loan account. The flurry of messages takes you off your professional game, which negatively impacts your long anticipated presentation.
According to a landmark consumer protection law, the numerous messages are against the law. In 1977, the United States Congress enacted the Fair Debt Collection Practices Act (FDCPA), which many legal scholars refer to as the ultimate consumer Bill of Rights. Within the FDCPA is clear language banning the practice of third party debt collectors making repeated phone calls to consumers. The FDCPA also forbids the long standing technique of bill collectors placing phone calls at odd hours of the day. If a debt collection agency like Capio Partners, LLC calls you after 9 pm and before 8 am, you should immediately get in touch with a licensed FDCPA lawyer.
How Your State Attorney General Can Help
Encouraged by the passage of the FDCPA virtually every state has enacted a consumer protection law that mirrors the language written into the FDCPA. Your consumer protection lawyer will review your state’s FDCPA, with keen interest on learning about the statute of limitations imposed by your state for the collection of delinquent debts. In addition, your FDCPA attorney might file a report with your state’s Attorney General Office detailing every FDCPA violation committed by Capio Partners, LLC. After reviewing your report, the state Attorney General might decide penalize the debt collection agency for FDCPA infractions.
Filing a Report with the Better Business Bureau
As the most powerful consumer advocacy organization, the Better Business Bureau (BBB) issues ratings for every company licensed to conduct business in the United States. Companies listed with the BBB want to receive the highly coveted A+ rating, which is the highest rating handed out by the BBB. By filing a report explaining the FDCPA violations committed by Capio Partners. LLC, the BBB might lower the rating it has issued for the third party debt collector. Original creditors pay special attention to the consumer feedback left on the BBB website, as well as the ratings handed out to each American business.
File a Lawsuit Seeking Monetary Damages
After filing reports with the proper organizations, your FDCPA lawyer will consider filing a lawsuit to seek monetary damages for the pain and suffering initiated by the actions of a bill collector. Monetary damages can be used to take care of medical expenses, as well as cover any lost income caused by a wage garnishment order. You will need to submit evidence in court directly linking your physical and emotional issues to the actions taken by a debt collection agency.
Consult with a highly rated consumer protection attorney to learn more about how the FDCPA protects you against harassing and intimidating debt collection tactics.
*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 Capio Partners. LLC or any other third-party collection agency, you may not be entitled to any compensation.