Mastering the art of deception is one of the most important goals for military leaders that plan large scale maneuvers. Trickery is also a vital part of the strategy many debt collection agencies implement to motivate consumers into paying off outstanding credit card and personal loan accounts. Fortunately, a sweeping federal consumer protection law enacted in 1977 prohibits third party debt collectors like Amcol Systems, Inc. from using deception to trick consumers into taking care of personal financial obligations.
Written into the law by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) clearly outlaws the once legal practice of using deception during debt collection efforts. In addition, the FDCPA also bans the implementation of overly aggressive debt collection tactics. Overly aggressive debt collection tactics include harassing consumers by making repeated phone calls throughout the day.
About Amcol Systems, Inc.
With multiple locations primarily in the southeastern region of the United States, Amcol Systems, Inc. has received an A+ rating from the Better Business Bureau (BBB). The BBB has also accredited the debt collection agency. BBB accreditation means the consumer advocacy organization has conducted a thorough review of the company and found the company complies with the rigorous customer service standards established by the BBB
Prohibited Deceptive Debt Collection Tactics
The FDCPA does not merely say “It is illegal to deceive consumers.” Congress went much further by listing numerous debt collection practices the governing body has deemed to be illegal. For example a representative from Amcol Systems, Inc. is forbidden from impersonating a law enforcement agency in an attempt to intimidate you into taking care of a delinquent credit card or personal loan balance. There are no debtor prisons in the United States, which makes impersonating a law enforcement agency an explicit act of deception. Moreover, Amcol Systems, Inc. is not allowed to claim the company has contacted a third party regarding your debt.
Legal Remedies Granted by the FDCPA
Congress did much more that outlaw certain overly aggressive and subtly deceptive debt collection tactics. The federal governing body also wrote into law a provision that grants consumers the right to file claims that seek monetary damages for one or more violations of the FDCPA. Statutory damages, which are capped at $1,000, cover every violation of the FDCPA. This means you cannot seek statutory damages for individual FDCPA violations. Monetary damages, which are not capped at a certain amount, cover the pain and suffering caused by physical and/or emotional duress. If you suffer from physical and/or emotional distress symptoms and the symptoms are directly related to the legal behavior of a third party debt collector, then you should consult with a licensed FDCPA lawyer to determine the best course of legal action.
Working with an FDCPA Attorney
An FDCPA lawyer will perform a thorough review of your case to discover the evidence required to file a claim in a civil court. Some of the evidence that you should present includes medical documentation and the testimony given by healthcare experts. Schedule a free initial consultation today with an experienced FDCPA lawyer to learn more about the monumental federal consumer protection law.
*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 Amcol Systems, Inc., or any other third-party collection agency, you may not be entitled to compensation.