After arriving home from work one night, you turn on the answering machine to find a message left by a representative from Vital Recovery Services. The message is made using a balanced tone, with not any indication the debt collection agency is upset about a delinquent credit card or a personal loan account.
You ignore the first phone call and within one week, you receive dozens of calls from Vital Recovery Services that come throughout the day and deep into the night. Did you know that it is against the law for a third party debt collector to harass you by making repeated phone calls throughout the day?
According to a landmark consumer protection law, a bill collector like Vital Recovery Services prohibited from harassing you by making repeated phone calls to your home and work lines. The Fair Debt Collection Practices Act (FDCPA) also bans the annoying practice implemented by many bill collectors of calling consumers at odd hours of the day. In fact, the FDCPA permits debt collection agencies to place phone calls to consumer only between the hours of 8 am and 9 pm.
How to Report FDCPA Violations
At first, you might feel overwhelmed by the aggressive tactics used by a third party debt collector such as Vital Recovery Services. However, the FDCPA includes language that encourages consumers to contact the Federal Trade Commission (FTC) to file complaints against overzealous bill collectors.
The FTC is the federal government agency responsible for enforcing every provision written into the FDCPA. FTC powers also extend to punishing debt collection agencies that break the law. The most common punishment is to issue fines for one or more violations of the groundbreaking consumer protection law.
Report FDCPA Violations to the Better Business Bureau
Created to be the ultimate consumer advocate, the Better Business Bureau (BBB) is another organization you should reach out to in regards to reporting FDCPA violations. The BBB not only encourages consumer complaints, the organization also presents each complaint corresponding to the business involved in the complaint.
The more complaints the BBB receives, the lower the rating a business gets from the consumer advocacy organization. If you are harassed by a debt collection agency, do your part by filing a complaint with the BBB.
Filing a Lawsuit against Vital Recovery Services
The FDCPA has legal teeth because the federal consumer protection law permits consumers to file claims against lawbreaking third party debt collectors. By working with a FDCPA lawyer, you ensure every legal angle is addressed before filing a lawsuit against Vital Recovery Services.
In the case of harassing phone calls, your FDCPA attorney will need you to hand over the tape recorded conversations you had with the third party debt collector. Find out if you live in a one party consent state to ensure you can tape record the phone calls, without gaining the consent of a bill collector.
Do not let a debt collection agency intimidate you. Complete the Free Case Evaluation to get put in touch with an accomplished consumer protection lawyer to learn more about how the FDCPA protects you.
*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 Vital Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.