You arrive to work in a good mood; that is, until one of your co-workers hands you a message sent by a debt collection agency. The message is to the point: Pay off an outstanding credit card balance or expect the company to seek a court order to garnish your wages.
In addition to the embarrassment caused by a colleague knowing about your financial predicament, you also have to deal with the possibility of having money taken out of your paychecks.
The stress and anxiety that follows diminishes the quality of your work, which eventually forces you employer to make adjustments to your schedule.
Did Hunter Warfield threaten you? If the company issued one or more threats, you should speak with a licensed consumer protection lawyer who handles cases involving a landmark federal law.
Federal Law Outlaws Threats
For the decades leading up to 1977, American consumers were at the legal mercy of overly aggressive third party debt collectors that used harassment and intimidation to collect outstanding debts.
After intense debate, the United States Congress wrote the Fair Debt Collection Practices Act (FDCPA) into law. The FDCPA makes it illegal for a bill collector such as Hunter Warfield, Inc. to abuse you verbally during a phone conversation.
A debt collection agency is also prohibited from trying to collect more money than what is actually owed on a delinquent credit card or personal loan account. In addition, Hunter Warfield, Inc. cannot threaten you in any way.
The FDCPA makes it illegal for a third party debt collector to issue a variety of direct threats. Hunter Warfield, Inc. cannot threaten to seize your property.
Bill collectors use this tactic to convince consumers it is legally feasible to seize private property, and then liquidate the property into cash to take care of a delinquent debt. Hunter Warfield, Inc. is forbidden from threatening you with arrest, as well as threatening to contact the IRS regarding your debt.
The threat received at work violates two provisions of the FDCPA: The provision banning threats and the provision making it illegal for bill collectors to contact consumers on the job. You have to tell a debt collection agency your employer forbids phone calls made to employees that concern consumer debts.
Do You Qualify for Just Compensation?
Dealing with a collection agency may lead to trigger substantial stress, which if endured long enough may lead to physical distress symptoms. Think about how a prolonged bout with stress may trigger an ulcer and/or migraine headaches.
The cost of treating physical duress symptoms may run into the hundreds, if not thousands of dollars. How do you recoup all of the costs of medical care? The answer is to hire an FDCPA lawyer who will file a claim against a collection agency.
Your FDCPA attorney will submit sufficient evidence proving the debt collection agency’s illegal actions caused your pain and suffering. Evidence includes medical documents attesting to the presence of your symptoms, as well as the expert testimony delivered by the healthcare professionals that treated you.
Your FDCPA should have enough experience to link your symptoms with the illicit acts carried out by a third party debt collector. Take control of your case by scheduling an interview with a highly rated consumer protection attorney who has successfully litigated many 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 Hunter Warfield, Inc., or any other third-party collection agency, you may not be entitled to compensation.