If you have a past due debt, a collection agency such as Vital Recovery Services may start calling you. Harassing calls from a debt collection agency can be stressful enough, but if you start receiving voicemails from Vital Recovery Services it can be even more stressful for you and your family.
There are laws, including the Fair Debt Collection Practices Act (FDCPA) that have been enacted to protect consumers like you from unscrupulous debt collection practices.
The Debt Collection Process and Vital Recovery Services
Debt collectors have strict guidelines under the FDCPA. These laws indicate that debt collectors are limited in what they can and cannot say when calling a consumer to collect a debt. The law indicates that the collection agency cannot release information about your debts to anyone else without your permission.
These laws prohibit Vital Recovery from tricking consumers into returning calls or from leaving messages without the consumer being fully aware of the cause of the communication.
If a third party is called by Vital Recovery Services in the search for you, they can only identify themselves and their contact information. During the call, Vital Recovery Services cannot reveal any details pertaining to the debt that you owe and its delinquency to the third party. These laws make leaving a voicemail basically impossible for Vital Recovery Services or any other debt collector. Doing so violates the FDCPA.
There are Restrictions Regarding What Vital Recovery Services Can Say
Vital Recovery Services must follow the FDCPA and any state debt collection laws when collecting a debt. Certain things are prohibited during the debt collections process to ensure the process is on the up and up and the collectors aren’t unscrupulous. The laws indicate that Vital Recovery Services cannot threaten you.
They are breaking the law if you are threatened with physical harm or if the representatives of the collection agency claim they will arrest you for your past due debt. Leaving a voicemail regarding your delinquent debt at your place of employment violates the FDCPA, which can lead to penalties against Vital Recovery Services.
You can file a claim against Vital Recovery Services for FDCPA violations. You may be awarded $1,000 for each violation. Keep evidence and documentation support your claim and to prove the FDCPA violations. Write down details for every call from Vital Recovery Services, including the date and time for each call received, the representative’s name, and the details of the discussion. You will need supporting documentation to show the FDCPA was violated by Vital Recovery Services.
Consult With An FDCPA Lawyer About Vital Recovery Services
If Vital Recovery Services has left voicemail messages, or you believe that they have violated the FDCPA during the collections process, you should hire a local FDCPA attorney. Your FDCPA attorney will be able to determine if Vital Recovery Services has violated the FDCPA by leaving you voicemails. Your lawyer will be able to determine if you can file a claim against Vital Recovery Services.
Your lawyer may be able to win your claim against Vital Recovery Services if the FDCPA has been violated during the collections process. Schedule a free case review today. You will want to get your claim against Vital Recovery Services on track if they have left voicemails for you.
*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 Vital Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.