If you’ve managed to get behind with your monthly bills, or you have been wrongly accused of owing a debt when you don’t, there are means available to protect you and your family from this type of intrusive behavior.
The Fair Debt Collection Practices Act (FDCPA) which became law in 1978 vowed to prevent third-party debt collectors from using harassment techniques as a way of intimidating consumers and their families. As it stands, not all debt collectors take notice of the FDCPA.
If you can prove that Global Credit & Collection has threatened you, you could find you are eligible to file an FDCPA lawsuit.
About Global Credit & Collection
Global Credit & Collection is a collection agency that was established in 1999.
The company can be found throughout North America in Ontario, Montreal, and Quebec in Canada, Panama City in Panama, and Williamsville, NY in the United States. According to the Better Business Bureau Global Credit & Collection has been through more than 250 lawsuits since 2010.
The BBB has also processed more than 100 collection and billing complaints from consumers in relation to threats made by the company.
What is Considered a Threat?
The FDCPA clearly states what it considers to be threats that debt collectors are not permitted to inflict on debtors.
If Global Credit & Collection has directed its debt collectors to take part in the following actions, they are violating the FDCPA:
- using violence of any kind or any type of criminal behavior that causes physical injury to a debtor or damages his/her reputation;
- has used threats in order to get its hands on your property;
- has used threats to garnish your wages;
- has used threatening tactics to get you arrested for non-payment of your debt;
- has made public a debtors’ list and has threatened every member on the list with legal action.
Damages You May Be Entitled to
Any debtor that is able to furnish proof of their cases in a court of law are eligible to be awarded $1,000 in statutory damages. Also the court may award actual damages, which include both physical and emotional damages, and compensation for lost income and wage garnishment.
The debt collector may also have to pay the debtor’s attorney fees. Typically physical damage awards cover ailments that are easy to prove such as rashes, serious headaches, and cardiovascular problems.
If stress and anxiety have taken place this prompts attorneys to file a damage claim which covers emotional distress.
End the Threats Today
If you have sound evidence that Global Credit & Collection has threatened you in any way, there are legal repercussions for their action so you should contact an FDCPA attorney who specializes in creditor harassment to find out more about your rights and your chance to prevent Global Credit & collection 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 Global Credit & Collection, or any other third-party collection agency, you may not be entitled to compensation.