If you are unable to find enough money to pay your monthly bills, or even worse, you have been accused of owing money when you don’t, you and your family have a certain amount of protection available to you. This is in the form of The Fair Debt Collection Practices Act (FDCPA) which was established in 1978 with the express aim of preventing any third-party debt collectors from using harassment tactics to intimidate consumers into paying their debts. The reality is that not all debt collectors take notice of the FDCPA and may put undue pressure on you. If you think that Audit Systems Inc. has in any way threatened you, you could be eligible to file an FDCPA lawsuit.
About Audit Systems Inc. (ASI) Collection Agency
Audit Systems, Inc. is a debt collection agency headquartered in Largo, Florida. ASI has according to the Better Business Bureau received numerous consumer complaints alleging that it has violated provisions in the FDCPA, including the failure to clarify debts and trying to collect debts that are not owed. If ASI has contacted you about a debt, make sure that you are aware of your rights before responding.
What is Considered a Threat?
The FDCPA states clearly what the threats are that debt collectors are not permitted to use to collect debts. If Audit Systems Inc. debt collectors make any of the following threats they will have violated the provisions laid out in the FDCPA:
- using any type of violence that causes physical injury or damages the debtor’s reputation;
- threatened to confiscate your property;
- threatened to contact your employer to garnish your wages;
- threatened to get you arrested because of your failure to pay a debt;
- published a list of debtors including your name and threatened everyone on the list with legal action;
Damages You May Be Entitled to
Debtors that are able to prove their cases in court are eligible to receive $1,000 for statutory damages. Additionally, the court may award actual damages, which could include both physical and emotional damages, along with compensation for loss of wages and wage garnishment if that has taken place. The debt collector might be required to cover a debtor’s attorney fees. Typically, physical damage awards cover ailments that are easy to prove such as rashes, severe headaches, and cardiovascular issues. If anxiety and stress can be proven attorneys may be intent on filing damage claims for undue emotional distress.
End the Threats Today
If you have evidence that you have been threatened, there are legal repercussions. You should discuss your case with a FDCPA attorney who specializes in creditor harassment who will inform you of your rights and your ability to prevent Audit systems Inc. from threatening you. Complete our Free Case Evaluation to be connected with an FDCPA attorney who handles consumer law cases in your state.
*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 Audit Systems Inc., or any other third-party collection agency, you may not be entitled to compensation.