Back in the late 1960s and early 1970s, a television game show called To Tell the Truth ranked as one of the most popular shows of its era. The show required contestants to detect the lies made by other contestants. Fast forward 50 years and we have another version of To Tell the Truth. Many debt collection agencies like to misrepresent themselves when interacting with consumers. Did Professional Account Management, LLC misrepresent themselves? If you answered yes, there is a federal consumer protection law that can help make the deception stop.
Enacted by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) makes it illegal for third party debt collectors to implement overly aggressive debt collection tactics. A bill collector such as Professional Account Management, LLC cannot threaten you in any way in an attempt to intimidate you into paying off an outstanding consumer debt. The third party debt collector is also prohibited from deceiving you into settling a delinquent credit card or personal loan balance.
About Professional Account Management, LLC
For nearly 20 years, Professional Account Management, LLC has operated as a debt collection agency specializing in handling debt collection services for city and state government agencies. Although the bill collector deals with businesses, it also is responsible for collecting money owed by consumers that use city and state services. The company has received the highest rating of A+ from the Better Business Bureau (BBB), as well as earned accreditation from the leading consumer advocacy organization.
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What Constitutes Misrepresentation?
As a broad legal term under the FDCPA, misrepresentation typically involves some level of deception during the debt collection process. A bill collector like Professional Account Management, LLC is forbidden from claiming you owe money on a credit card or per a personal loan account that you already paid off. The company is also banned from trying to get you to pay more money on a consumer debt that you actually owe. To prevent a debt collection agency from deceiving you, the key is to keep meticulous records of every transaction you have ever made with a bank or a credit card company.
Do You Qualify for Monetary Damages?
One crucial provision of the FDCPA gives consumers the right to file a lawsuit that seeks monetary damages. The FDCPA allows you to seek statutory damages for one or more violations of the groundbreaking federal consumer protection law. If the illegal actions taken by the third party debt collector have caused you physical and/or emotional distress, you might qualify for the awarding of actual damages.
Your FDCPA attorney will have to present compelling evidence to justify the awarding of actual damages. Compelling evidence includes the submission of medical documents, as well as the testimony of expert healthcare professionals that can link your physical/ and/or emotional duress symptoms with one or more violations of the FDCPA. Although statutory damages cannot exceed $1,000, the FDCPA does not limit the amount of money awarded for actual damages.
Schedule a free initial consultation today with a licensed consumer protection lawyer who specializes in handling FDCPA cases.
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*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 Professional Account Management, LLC, or any other third-party collection agency, you may not be entitled to compensation.