The first phone call catches you off guard. A representative from Delta Outsource Group, Inc. has called in reference to an outstanding debt you owe on a credit card or personal loan account. The third party debt collector uses the element of surprise to get you to say things that you do not have to share with the debt collection agency.
Most bill collectors use the element the element of surprise in attempts to collect outstanding debt. Debt collection agencies also depend on consumer ignorance to chase down money owed on debts that have exceed the statute of limitations.
Like most criminal cases that establish a time limit for prosecution, debt collection cases also come with statute of limitations. This is set by each state in accordance to a landmark consumer protection law called the Fair Debt Collection Practices Act (FDCPA).
The FDCPA gives debt collection agencies like Delta Outsource Group, Inc. a limited amount of time to file a lawsuit that garnishes wages. However, the statute of limitations for collecting delinquent consumer debt does not prevent a debt collection agency from calling you or sending you a letter requesting the settlement of an outstanding debt.
Drafting a Notice the Right Way
Under the FDCPA, consumers have the right to send debt collection agencies a notice informing the bill collectors that the statute of limitations has expired. However, far too many consumers send poorly written notices that do not contain the type of legal language that holds up during a lawsuit.
By hiring a licensed consumer protection lawyer, you avoid sending Delta Outsource Group, Inc. a notice that includes emotionally charged language that waters down the legal message. In addition, your lawyer might want to send a cease and desist letter by certified mail that asks a debt collection agency to stop contacting you for any reason. A third party debt collector that violates one or more provisions of the FDCPA can lead to you and your lawyer filing a lawsuit seeking actual damages.
Sample of an Actual Notice
A notice sent to Delta Outsource Group Inc. must not acknowledge you owe the debt in question. Here is an example of how a notice sent to a third party debt collector should look:
To Whom It May Concern:
I have written this letter in response to your phone call October 21, 2018 that mentions the account number referenced above.
I have contacted my state Attorney General and confirmed that the statute of limitations on this debt has expired. Therefore, if you choose to pursue this matter in court, my legal team will be forced to show proof the statute of limitations has expired on the debt in question.
Let this letter serve as notification that I do not wish to be contacted about this matter again except when you notify me that future collection efforts have been terminated. Any other communication regarding this matter will be taken as a violation of the Fair Debt Collection Practices Act.
Level the legal playing field with a debt collection agency such as Delta Outsource Group, Inc. by speaking with an experienced FDCPA lawyer who will draft a legally binding notice that the statute of limitations has expired.
*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 Delta Outsource Group, Inc. or any other third-party collection agency, you may not be entitled to any compensation.