Falling behind on paying monthly bills can negatively impact your personal and professional lives. The stress of trying to play catch up inevitably leads to some poor decisions. However, things turn much worse when a debt collection agency such as Plaza Services, LLC begins to harass you by phone and through intimidating written correspondence. On top of implementing overly aggressive debt collection tactics, a third party debt collector has started to deceive you by making false statements.
For decades leading up to September 20, 1977, American consumers had to run for cover when dealing with overly aggressive bill collectors. However, the United States Congress rectified the disparity in power between consumers and debt collection agencies by passing the landmark Fair Debt Collection Practices Act (FDCPA).
According to the FDCPA, a third party debt collector like Plaza Services, LLC is prohibited from threatening you in any way. The federal consumer protection law also forbids the longstanding practice of making false statements regarding consumer debts.
Understanding What Defines a False Statement
When you think about the false statements made by a bill collector, you probably think about the boldface lies made directly to you. Examples of direct false statements include a debt collection agency claiming to represent a law firm when in fact, the company is not associated with the legal profession.
A much more indirect way to make false statements is for a debt collector to contact a third party about your debt and claim the third party is on the legal hook for paying off the outstanding credit card or personal loan balance.
Another indirect form of lying occurs whenever a bill collector reports inaccurate credit information about you to one of the primary credit reporting bureaus.
How to Handle the False Statements Issued by Plaza Services, LLC
They say the proof is in the pudding and for proving the existence of false statements, you need to present physical evidence during a civil court proceeding. Examples of physical evidence include photocopied letters and tape-recorded phone conversations.
In 2018, the United States Court of Appeals for the eighth Circuit issued a ruling that requires consumers to link the false statements made by a bill collector to the ability to evaluate personal financial options accurately.
![Plaza Services, LLC Make False Statements About Your Debt?]()
Are You Eligible to Receive Just Compensation?
Having to endure the false statements made by a third party debt collector can take a physical and/or emotional toll. Sleepless nights lead to health issues of both the mind and the body. Fortunately, the FDCPA includes a provision that gives consumers the right to seek just compensation for the pain and suffering inflicted by physical and/or emotional distress symptoms.
Speak with an FDCPA Lawyer
It is one thing to believe the illegal actions taken by a bill collector has caused you physical and/or emotional pain. It is quite another thing to prove your claim. By working closely with a licensed FDCPA attorney, you might be able to compile enough evidence to warrant the filing of a claim in civil court.
Schedule a free initial consultation with an experienced consumer protection lawyer to determine the best course of legal action.
Additional Resources
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Plaza Services, LLC, or any other third-party collection agency, you may not be entitled to compensation.