Has a debt collection agency backed you into a legal corner by threatening to file a lawsuit? Does a third party debt collector call you at odd hours of the day? Are you slowly wearing down both physically and emotionally because of the abuse handed out by a bill collector? You should know that an historic consumer protection law passed by the United States Congress more than 40 years ago prohibits overly aggressive debt collection techniques.
Under the Fair Debt Collection Practices Act (FDCPA), a debt collection agency like Medical Financial Solutions is not permitted to call you deep into the night. In fact, the FDCPA allows third party debt collectors to call consumers at home or on their cell phones only between the hours of 8 am and 9 pm. A bill collector is forbidden from threatening to seize your property to liquidate the property into cash. By consulting with a licensed consumer protection lawyer who handles FDCPA cases successfully, you will learn much more about how the FDCPA helps protect you.
File a Report with Your State’s Attorney General Office
Like many federal laws, the enactment of the FDCPA was followed by numerous similar laws passed at the state level. Although much of the language of state FDCPA laws mirror the legal language of the FDCPA, many states have bolstered the FDCPA by adding provisions that include defining the statute of limitations for debt collection efforts.
At the state level, the Attorney General is responsible for holding debt collection agencies accountable by following every provision written into the FDCPA. If a third party debt collector violates the FDCPA, make sure to reach out to your state Attorney General Office by filing a report.
Utilize the Resources at the Better Business Bureau
No other consumer advocacy organization makes as much of a positive impact on consumers than the positive impact made by the Better Business Bureau (BBB). Founded in 1912, the BBB has delivered consumer protection services for more than 100 years. One of the most popular services is the consumer feedback pages the BBB uploads for every registered American business. By reporting the illegal behavior of a bill collector, you add negative feedback that can hurt the company’s debt collection business. Most original creditors shy away from working with unethical debt collection agencies.
How to File a Claim against Medical Financial Solutions
Your FDCPA lawyer will perform a comprehensive review of your case to determine the best course of legal action. One legal alternative involves filing a lawsuit against Medical Financial Solutions. Filing a claim against a third party debt collector can help you recover any money lost because of lost wages, as well as money garnished from your weekly paycheck.
The FDCPA also allows consumers to seek just compensation to cover attorney fees. How much evidence you present to your FDCPA lawyer will determine whether you have enough of a case to file a claim against Medical Financial Solutions.
Be proactive against a bill collector. Schedule an initial consultation with a consumer protection attorney to learn more about 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 Medical Financial Solutions or any other third-party collection agency, you may not be entitled to any compensation.