When a debt collection agency such as Glass Mountain Capital, LLC contacts you at home or at work, you expect the company to treat you with honesty and integrity. Unfortunately, many third party debt collectors prefer to use deceptive debt collection practices in an attempt to trick consumers into taking care of outstanding credit card and personal loan accounts. Did Glass Mountain Capital, LLC misrepresent themselves? If so, you should know that a federal consumer protection law prohibits the implementation of misleading debt collection tactics.
About Glass Mountain Capital, LLC
In business since 2005, Glass Mountain Capital, LLC specializes in handling the collection duties assigned to the company by banks and credit card companies. According to the Better Business Bureau (BBB), the bill collector has amassed a positive record in regards to responding to consumer complaints. Because of the positive interactions with consumers, the BBB has accredited Glass Mountain Capital, LLC, as well as handed out the consumer advocacy organization’s highest rating of A+.
How Does Federal Law Define Misleading?
On September 20, 1977, the United State Congress passed the landmark Fair Debt Collection Practices Act (FDCPA). The federal consumer protection law focuses on making it illegal for debt collection agencies to use overly aggressive debt collection tactics. Under the FDCPA, Glass Mountain Capital, LLC cannot call you repeatedly throughout the day, as well as contact you by phone or via text messages between the hours of 9 pm and 8am.
The FDCPA also prohibits third party debt collectors from using trickery to collect delinquent credit card and personal loan balances. You do not have to tolerate a bill collector impersonating an original creditor like Visa or Target. In fact, if you receive a letter from a company claiming to be the original creditor, you should call the number listed on the letter to confirm the company is a legitimate creditor. Some debt collection agencies impersonate credit reporting agencies to convince consumers that their credit scores will be negatively impacted by an outstanding debt.
Seeking Actual Damages for Emotional Distress
Congress did much more than outlaw dozens of previously legal debt collection practices. It also grants consumers the right to seeking monetary damages for one of more violations of the FDCPA. Dealing with an overly aggressive bill collector can trigger plenty of stress, which can translate into emotional issues that diminish the quality of your life. Having to deal with a lawbreaking debt collection agency can make you withdraw from interacting with close friend and family members. If you feel the illegal behavior of a third party debt collector has scarred you emotionally, you should speak with a licensed consumer protection lawyer who has experience litigating FDCPA cases.
Stop Deceptive Debt Collection Tactics
By hiring an experienced FDCPA attorney, you ensure that the FDCPA has your back to stop deceptive debt collection practices. Your FDCPA lawyer will conduct a meticulous review of your case to determine if there is enough evidence linking the illegal actions taken by a bill collector with any emotional duress symptoms that you experience.
Schedule a free initial consultation today with a highly rated FDCPA attorney.
*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 Glass Mountain Capital, LLC, or any other third-party collection agency, you may not be entitled to compensation.