Receiving a voicemail from a debt collection agency can turn your world on its head. After all, many debt collection agencies are considered to be relentless when it comes to getting consumers to pay off outstanding credit card and personal loan balances. Regardless of what type of message is left on your voicemail system, you probably wonder when can Synerprise Consulting Services, Inc. leave a message. The answer lies within an important federal consumer protection law.
Under the groundbreaking Fair Debt Collection Practices Act (FDCPA), numerous previously acceptable debt collection tactics are now deemed illegal. Passed by the United States Congress on September 20, 1977, the FDCPA is referred to by many legal scholars as the consumer Bill of Rights. The FDCPA forbids the once legitimate practice of asking for payment on a consumer debt that has already been paid off.
In addition, a debt collection agency like Synerprise Consulting Services, Inc. cannot go over your head, so to speak, by contacting a friend or a family member in regards to a debt. Fortunately for consumers, the third party provision of the FDCPA extends to voicemails.
Leaving Voicemails Violates the FDCPA
You arrive home from work one night to discover one or more family members hovering around the home landline. Perplexed, you walk over to the phone to hear a message left on your voicemail system by a third party debt collector. The bill collector followed the FDCPA by identifying the company responsible for making the phone call. Nonetheless, the debt collection agency crossed the legal line by leaving a voicemail.
It is incredibly hard for a third party debt collector to leave a voicemail and not violate the provision of the FDCPA that outlaws phone calls made to third parties concerning consumer debts. In the case when your family heard the voicemails left by a bill collector, the company indirectly violated the FDCPA by reaching out to more than one third party. A licensed consumer protection attorney who has compiled an impressive record litigating FDCPA cases can advise you on how to proceed with a voicemail case.
Additional Voicemail Violations under the FDCPA
What if Synerprise Consulting Services, Inc. leaves a voicemail that only you hear? Well, the debt collection agency has several ways to violate other provisions of the historically significant federal consumer protection law. The bill collector violates the FDCPA if it repeatedly leaves voicemails throughout the day.
Another way debt collection agencies harass consumers is by leaving voicemails in the middle of the night. According to the FDCPA, a third party debt collector such as Synerprise Consulting Services, Inc. can leave voicemails between the hours of 8 am and 9 pm. Voicemails left outside of those hours are considered illegal under the FDCPA.
Meet with a Highly Rated FDCPA Attorney
You will never know whether Synerprise Consulting Services, Inc. violated the FDCPA until you schedule a free initial consultation with an experienced consumer protection lawyer. Your FDCPA attorney will decide whether to file a lawsuit against the bill collector or pursue another course of legal action that includes sending a formal cease and desist notice.
*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 Synerprise Consulting Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.