A third-party debt collector, Paramount Recovery Systems collects delinquent debts for various clients. If you have a delinquent account that Paramount Recovery Systems has taken over, they may call you. If they call you repeatedly, that is considered harassment.
While the harassing calls are bad enough, if they start leaving voicemails, they may be in violation of the Fair Debt Collection Practices Act (FDCPA). The FDCPA was enacted to help protect consumers from harassment and unscrupulous collection practices. You may be able to file a claim against Paramount Recovery Systems if the FDCPA has been violated.
The Debt Collection Process and Paramount Recovery Systems
The FDCPA, which oversees the debt collection process, regulates debt collecting and sets limits for collection agencies. The FDCPA indicates what can be said during a collection call. The FDCPA also prohibits threats and improper behavior by the collection agency staff while establishing harsh penalties for those who collect illegally. The FDCPA has guidelines strictly prohibiting the debt collector from releasing your personal information and details about your debt to anyone without your permission.
When Paramount Recovery Systems call, the representative must be straightforward about who they are and the nature of their call. The FDCPA is established so the collection agency cannot trick you into calling them back. If Paramount Recovery Systems calls someone else while they are searching for you, they must identify themselves and leave contact details.
They cannot say why they are calling or discuss the debt. Because of these laws, it is impossible for Paramount Recovery Systems to leave you a voicemail. If Paramount Recovery Systems leaves a voicemail at your place of employment, the FDCPA has been violated and you have grounds for a claim against them.
There are Restrictions Regarding What Paramount Recovery Systems Can Say
Any debt collector, such as Paramount Recovery Systems, must abide by any laws pertaining to debt collection, including, but not limited to, the FDCPA. The FDCPA prohibits debt collectors from threatening the consumer, so if Paramount Recovery Systems threatens physical harm, the FDCPA has been violated. They can be held responsible. Other FDCPA violations include pretending to be an officer of the law, or threatening arrest for past-due bills.
If Paramount Recovery Systems has violated the FDCPA, you can file a claim and you may recover compensation of as much as $1,000 per infraction. Always maintain evidence by documenting all your conversations and keeping copies of correspondence from the collection agency.
Keep meticulous notes from the calls with Paramount Recovery Systems, writing down the date, time, phone number from which the call was received, and the name of the representative as well as a summary of what was said to you. You want supporting documentation to prove the FDCPA was violated by Paramount Recovery Systems.
Consult With An FDCPA Lawyer About Paramount Recovery Systems
If you have received voicemails or other messages from Paramount Recovery Systems that you believe were FDCPA violations, you should consult with an FDCPA attorney. An FDCPA lawyer will be able to determine if the FDCPA was violated and if you can file a claim against Paramount Recovery Systems. Time is of the essence, so get the harassment put to a stop. Schedule your free case review today.
*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 Paramount Recovery Systems or any other third-party collection agency, you may not be entitled to any compensation.