You receive a letter from a debt collection agency asking that you pay off an outstanding credit card account. Ignoring the letter will not make the third party debt collector disappear. In fact, ignoring a bill collector will motivate the company to come after you with more aggression.
Phone calls received at odd hours of the day include threats to contact a third party regarding your debt. With your back against the financial wall, you feel like there is no way out of your financial predicament.
Did EOS CCA threaten you? Under a landmark consumer protection law, issuing threats of any kind are considered illegal actions.
About EOS CCA
With nearly 30 years in business, EOS CCA has earned the highly coveted A+ rating from the Better Business Bureau (BBB). However, the high rating does not mean the BBB has not received complaints from consumers. In fact, many consumer complaints filed on the BBB web page devoted to EOS CCA mention the third party debt collector asks for personal information like consumer Social Security numbers. Invasion of privacy is another frequent complaint filed by consumers against EOS CCA.
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Threats Banned by a Powerful Federal Consumer Protection Law
After decades of operating without federal legal restrictions, the debt collection industry received a shock on September 20, 1977. On that historic day, the United States Congress enacted the Fair Debt Collection Practices Act (FDCPA). The primary intent of the FDCPA is to outlaw numerous debt collection tactics that were previously considered legally valid. Under the FDCPA, a bill collector such as EOS CCA is not allowed to use deception when interacting with consumers. Deceptive debt collection practices include impersonating the IRS and a law enforcement agency.
The FDCPA also addresses the harassing practice of issuing threats to collect outstanding consumer debts. EOS CCA is not permitted to threaten you in any way. The company cannot threaten to file a lawsuit against you in a civil court. Lawsuit threats are perhaps the most effective type of threats a debt collection agency issues. The threats of filing a lawsuit typically motivate consumers to take action. Although threatening you with a lawsuit is considered an illegal act, EOS CCA has the right to file a lawsuit against you that seeks full payment of a delinquent credit card or personal loan account.
Do You Qualify for Monetary Damages?
If you want to file a claim against EOS CCA for issuing threats, you should contact a licensed consumer protection lawyer who has successfully litigated several FDCPA cases. After an extensive review of your case, the FDCPA lawyer you hired can move forward with a claim seeking monetary damages. As a financial award not capped by the FDCPA, monetary damages pay for the costs of suffering from physical and/or emotional duress symptoms. Examples of physical distress symptoms include acute ulcers and prolonged migraine headaches. Your FDCPA attorney will have to present medical documents as well as interview healthcare professionals that can confirm your diagnosis.
Never let a bill collector get away with threatening you in any way. Immediately schedule a free initial consultation with an experienced FDCPA lawyer.
Additional Resources
*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 EOS CCA, or any other third-party collection agency, you may not be entitled to compensation.