The successful conclusion of an extended work project has you pumped up. That is, until you pick up the office phone to take a call from a debt collection agency. Despite explaining to the third party debt collector that it has the “right to know” your employer bans all bill collector phone calls, the company continues to disrupt your workdays by reaching out to you at the office. Fortunately, you have the legal backing of a monumental consumer protection law that allows consumers to file claims and reports against lawbreaking debt collection agencies.
Written into federal law on September 20, 1977, the Fair Debt Collection Practices Act (FDCPA) lists a large number of previously acceptable debt collection practices that are now considered illegal.
For example, a bill collector such as Paramount Recovery Systems is prohibited from impersonating the IRS and/or a law enforcement official. Some debt collection agencies like to intimidate consumers into paying off outstanding credit card and personal loan accounts. The FDCPA also forbids the timeless practice of issuing threats to harass consumers.
Report FDCPA Violations to a Government Agency
One of the most important elements of the FDCPA is the enforcement power granted to the Federal Trade Commission (FTC). The FTC handles every report filed by consumers in regards to FDCPA violations. After performing an exhaustive review of your report, the FTC might decide to come down hard on Paramount Recovery Systems by fining the third party debt collector or revoking the company’s operating license.
Consumers can also file reports of FDCPA violations with the state Attorney General Office. Your state Attorney General will ensure compliance with your state’s version of the FDCPA, as well as determine whether criminal charges should be filed against a third party debt collector.
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Tap into the Power of the Better Business Bureau
As a consumer watchdog that keeps businesses in line, the Better Business Bureau (BBB) encourages consumers to file reports against companies that conduct business unethically. In regards to Paramount Recovery Systems, you can file a report detailing every FDCPA violation. The BBB will factor your report into calculating the rating it hands out to the debt collection agency. You will also negatively impact the consumer feedback section of the BBB web page devoted to Paramount Recovery Systems. Enough negative feedback will discourage original creditors from conducting business with the bill collector.
Receiving Just Compensation for FDCPA Violations
Not only does the FDCPA list every prohibited debt collection technique, the landmark law also gives consumers the right to seek monetary damages for suffering from physical and/or emotional duress. Your FDCPA attorney will thoroughly review your case to determine if the evidence is strong enough to warrant filing a lawsuit seeking monetary damages.
Evidence needed to push your case forward include medical documents signed by healthcare professionals, as well as the expert testimony of doctors and psychologists that will verify your symptoms and link the development of the symptoms to the illegal acts committed by a bill collector.
Never let a debt collection agency like Paramount Recovery Systems push you around. Speak with an experienced consumer protection lawyer to learn more about how the FDCPA works in your best legal interest.
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 Paramount Recovery Systems or any other third-party collection agency, you may not be entitled to any compensation.