If you have fallen behind on taking care of your bills, there are plenty of print and online resources that can help you get back on your financial feet. However, many consumers are unaware about a legal resource that protects them against the overly aggressive debt collection tactics used by debt collection agencies. One of the most common practices used by third party bill collectors to intimidate consumers concerns the issuing of threats.
Addressing the mounting anger of consumers, the United States Congress passed the Fair Debt Collection Practices Act (FDCPA). The federal consumer protection law makes it illegal for bill collectors to engage in overly aggressive debt collection tactics. If a debt collection agency like Ad Astra Recovery Services, Inc. threatened you, there are several ways for you to end the threats and better yet, make the third party debt collector pay for violating one or more provisions of the monumental consumer protection law.
About Ad Astra Recovery Services, Inc.
Not all bill collectors are created equal. Some companies responsible for collecting delinquent debts treat consumers with respect, although that is the exception and not the rule. Ad Astra Recovery Services, Inc. falls somewhere in the middle in regards to its reputation. Operating out of Wichita, Kansas, Ad Astra Recovery Services, Inc. has received a B+ rating from the Better Business Bureau (BBB). The BBB does not include consumer reviews in its rating analysis; it performs an exhaustive investigation into the practices of every business listed on the agency’s website. Since 2016, the BBB has accredited the debt collection agency that has operated as a business for 12 years.
What Constitutes a Threat According to the FDCPA?
The FDCPA does much more than simply ban threats. The groundbreaking federal consumer protection law also lists several types of threats that are considered illegal. Ad Astra Recovery Services, Inc. is not permitted to threaten you with violence. Yes, some third party debt collectors resort to the threat of violence for coercing consumers into taking care of credit card and personal loan accounts. A bill collector is prohibited from threatening to garnish your wages, although the company has the right to seek a court order to garnish a percentage of every paycheck until your debt is resolved. If a debt collection agency threatens to seize your property for liquidation into cash, the company has violated the FDCPA.
Do You Qualify for Monetary Damages?
If Ad Astra Recovery Services, Inc. threatened you in any way, you have the right to seek just compensation for your pain and suffering. The FDCPA grants consumers the right to seek statutory damages, which is a one-time award not exceeding $1,000 that covers every violation of the prominent federal consumer protection law. You also can file a claim against the third party debt collector that seeks monetary damages for physical and/or emotional duress. Your FDCPA lawyer will work hard to present compelling evidence that links your pain and suffering with the threats made by Ad Astra Recovery Services, Inc.
Schedule a free initial consultation today with an experienced consumer protection attorney who specializes in handling FDCPA cases.
*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 Ad Astra Recovery Services, Inc., or any other third-party collection agency, you may not be entitled to compensation.