If you feel that you are being harassed unfairly by a debt collector like Glass Mountain Capital, LLC, you have the right to report them under both state and federal law. The Fair Debt Collection Practices Act (FDCPA) was amended in 2010 to make it more difficult for debt collectors to contact you at unreasonable times of the day or night or to persist in contacting you too frequently. You can report a violation to state or federal agencies that can take legal action on your behalf, or file a lawsuit against the collector with the help of a lawyer.
How to Report a FDCPA Violation by Glass Mountain Capital, LLC
If you are being harassed by Glass Mountain Capital, LLC, or any other debt collector, you can report them to a state or federal agency if they have violated the FDCPA. The federal agency that oversees debt collectors is the Consumer Financial Protection Bureau (CFPB). It can investigate any report you have made and if the FDCPA has been violated, the CFPB can fine the debt collector.
The state you live in may have similar laws on fair debt collection as the federal government. If it does, it is worth contacting the Attorney General’s Office and provide details of the behavior of the collectors. The Attorney General’s office may decide to take legal action against the debt collector if it has broken state fair debt collection law.
How the Better Business Bureau Can Help in Negotiations Over Disputes
The Better Business Bureau (BBB) can help debtors who have been harassed by debt collectors, although they stop short of taking legal action as this is not their remit. What they can do for you is arrange a mediation session between you and representatives of the debt collection service and try and iron out a solution to the dispute you are having.
If the debt collector has really been behaving badly, then the BBB will use its presence to warn other consumes that the company is breaking rules on fair debt collection.
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Filing a Lawsuit Against Glass Mountain Capital, LLC
In addition to reporting the FDCPA violation, you are also allowed to file a lawsuit against the debt collector, citing the fact that the FDCPA has been broached. The law allows you to file a lawsuit up to a year after the violation occurred. The maximum damages that can be claimed are $1,000 as well as lawyer’s fees. Note that if you win the lawsuit, this doesn’t cancel your debt to whoever you owe it to. All it does is sanction the company that is being paid to recover the debt. The exception would be if the collector is attempting to recover a debt that doesn’t exist.
How a Lawyer Can Help With a Claim for a FDCPA Violation
It is not advisable to try and file a lawsuit without legal help. Winning a lawsuit against a debt collector for a FDCPA violation is not an automatic procedure. You need to submit sufficient proof of a violation when you file your lawsuit with either a state or federal civil court. Contact a lawyer before doing so as the lawyer can discuss your case from a background of experience.
Additional Resources
*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 Glass Mountain Capital, LLC, or any other third-party collection agency, you may not be entitled to any compensation.