If you are behind on a debt, you may start receiving calls from a collection agency. Getting these harassing calls can be stressful enough, but if Penn Credit starts leaving voicemails can be even more stressful. The Fair Debt Collection Practices Act (FDCPA) establishes laws that indicate how and when debt collectors can call you.
The Debt Collection Process
The FDCPA prohibits debt collectors from using certain methods to collect debts. This means that debt collectors cannot give others information about your debts without your permission.
The laws also keep collection companies from tricking consumers into returning calls or from leaving messages without the consumer who owes the debt knowing the nature of the communication.
If the debt collector calls a third party looking for you, they can only identify themselves and their contact information, but they cannot reveal any details about your debts to the third party. Because of these laws, the FDCPA makes it also impossible for a debt collector, such as Penn Credit, to leave a voicemail without violating the laws.
There are Restrictions Regarding What A Debt Collector Can Say
There are specific regulations that a debt collector, such as Penn Credit, must follow when collecting a debt. There are certain things that cannot be said in the debt collections process, so the collections process isn’t handled in an unscrupulous manner. As an example, they cannot threaten you. They cannot threaten physical harm or claim they will arrest you for a delinquent debt. Also, leaving a voicemail for you at your place of employment is in violation of the FDCPA, and can result in stiff penalties against Penn Credit.
If the FDCPA has been violated, you can file a claim against Penn Credit. Penn Credit may be required up to $1,000 per FDCPA violation. You should maintain documentation to support your claim. Be sure to write down the details of every call that you receive, including the date and time of the call, the name of the representative, and the details of what was said. All this documentation is needed to show that the FDCPA was violated and that Penn Credit didn’t adhere to the laws pertaining to debt collections.
Consult With An FDCPA Lawyer
If you have been receiving voicemails from Penn Credit, or believe they have violated the FDCPA in other ways while trying to collect a debt, you should enlist the help of an FDCPA attorney. Your lawyer will be able to determine if Penn Credit has violated the FDCPA by leaving voicemails, and they will be able to determine if you can file a claim against the debt collector.
Your lawyer may be able to win your claim against Penn Credit if your rights have been violated and the FDCPA has been violated in the collections process. Schedule your free case evaluation today, so you can make sure your claim is on the right track after Penn Credit has left you voicemails while collecting a debt.
*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 Penn Credit or any other third-party collection agency, you may not be entitled to any compensation.