The phone calls made by Acceptance Now to your cell phone and/or cell phone do not bother you. After all, millions of Americans receive phone calls from debt collection agencies that demand full payment for outstanding credit card and personal loan balances.
You can ignore the phone calls made by Acceptance Now to your cell phone and home landline by simply erasing the messages from your voice mailbox and landline answering machine.
However, Acceptance Now will not raise the white flag in response to your ignoring strategy.
You can expect the third party debt collector to start calling you on the job, whether you work in a multiple floor office building or in the field at a large construction site.
Bill collectors are not prohibited from calling consumers as work, as there are no laws on the books in Washington D.C. or any of the 50 states that place limits on debt collection agency work-related phone calls. Does this means you are at the mercy of a third party debt collector that calls you at work?
The answer is a resounding no.
Methods to Stop Bill Collector Phone Calls
You should never fight back against a debt collection agency like Acceptance Now on your own. By working with a licensed consumer protection lawyer, you receive all the rights granted by a landmark consumer protection law called the Fair Debt Collection Practices Act (FDCPA).
The FDCPA allows consumers to tell third party debt collectors their employers prohibit third party debt collector phone calls made on the job. Referred to as “reason to know,” the frequently cited FDCPA clause typically ends the workplace phone calls made by debt collection agencies.
If Acceptance Now has “reason to know” and the company continues to call you at work, then your attorney has numerous legal tools at his or her disposal to end the workplace phone calls. The first step is to determine whether your state has a statute of limitations on the collection of consumer debts.
Most states have passed legislation establishing a statute of limitations on debt collections, which typically run between two and four years. If the statute of limitations for debt collections has expired on your delinquent credit card or personal loan debt, then Acceptance Now must abide by state law and stop calling you not only at work, but at home as well.
Are You Entitled to Financial Compensation?
Federal lawmakers gave the FDCPA powerful legal teeth by adding a provision that allows consumers to seek monetary damages for one or more violations of the FDCPA.
Debt collection agency practices can turn your world upside down by destroying the relationships you have built with friends, family members, and professional peers. The emotional distress triggered by ruined personal and professional relationships can be strong enough to trigger severe mental issues.
If you suffer from emotional duress caused by the illegal actions of a third party debt collector, you should hire a FDCPA attorney to file a civil suit that seeks financial compensation for your pain and suffering.
Do not let Acceptance Now harass you at work. Contact an accomplished consumer protection lawyer to learn more about how the FDCPA stops the phone calls made to you at work by a bill collector.
- Has a Debt Collector Used Profane Language?
- Did a Debt Collector Identify Themselves to a Third-Party?
*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 Acceptance Now or any other third-party collection agency, you may not be entitled to any compensation.