There are many third-party debt collectors across the country. One of those companies would be CCS Companies. If you have a past-due debt and they are contacting you about it, then they must adhere to the Fair Debt Collection Practices Act (FDCPA) and other laws that pertain to the debt collection process.
The FDCPA regulates the collections process to prevent harassment and the mistreatment of consumers. The Federal Act makes it illegal for the collection agency to share details of your delinquent debts with any third parties, so it is basically impossible for them to leave a voicemail without violating the laws. If they do this, you can file a claim against them for your damages.
The Debt Collection Process and CCS Companies
The FDCPA was enacted by Congress because many collection agencies are unscrupulous in their collections processes. The FDCPA sets stringent laws and policies that must be followed when collecting a debt. The FDCPA prohibits a collection agency from making threats, such as threatening to make an arrest for delinquent debts or threatening physical harm.
They cannot threaten legal action that they cannot or will not take, and they are not allowed to impersonate a policeman. The FDCPA prohibits the collection agency from releasing information about your debt without permission.
CCS Companies must identify you whenever they call you. They cannot trick you into returning their calls. If third parties are called by CCS Companies in the search for you, they must identify themselves, but they cannot share other information. Because of the privacy regulations, CCS Companies cannot leave a voicemail at your work and they cannot leave voicemails anywhere that anyone else could hear them or access them. It limits their contact while collecting the debt that you owe.
There are Restrictions Regarding What CCS Companies Can Say
If CCS Companies or any other debt collector violated the FDCPA, you can file a claim. They can also face fines from the Federal Trade Commission (FTC), which oversees the collections process. The FDCPA doesn’t allow threats of an arrest or of physical harm.
Maintain copies of all correspondence you receive from CCS Companies and be sure to document all calls and conversations. Keep a notepad handy, so you can jot down the date and time of any call, a summary of the conversation, and the name of the caller. You will need supporting evidence for your case. Also, keep any voicemails or messages that you may receive.
Consult With An FDCPA Lawyer About CCS Companies
If CCS Companies has violated the FDCPA, or left you voicemails, you will need to consult with an FDCPA lawyer who handles such claims in your state. With the help of a lawyer, you are much more likely to have a successful claim. Schedule your free case review today, so you can stop the harassment and make sure your claim against CCS Companies is on the right track in a timely manner.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against CCS Companies or any other third-party collection agency, you may not be entitled to any compensation.