Debt collection agencies either work for original creditors or purchase outstanding consumer debts for a percentage of the entire amount owed. The goal for purchasing consumer debts from original creditors is to get a large return on the investment.
Some third party debt collectors pay as little as 25% of an original debt. With a high profit margin waiting to be reaped, it is no surprise that many bill collectors cross the legal line when chasing consumers that owe money on credit card and personal loan accounts.
There is no crossing the legal line when a debt collection agency such as Caine & Weiner calls you at work. Despite the extensive legal protections granted by a landmark consumer protection law, there is not a provision that prohibits the phone calls made by third party debt collectors to consumers in the workplace.
In fact, if you do not take action against a bill collector that calls you at work, you can expect the phone calls to continue until you pay off the delinquent credit card or personal loan balance.
Methods to Stop Phone Calls from Caine & Weiner
Phone calls placed by a bill collector to you at work can create tension between you and your employer. This is why you have to end the workplace phone calls made by Caine & Weiner.
According to the Fair Debt Collection Practices Act (FDCPA), consumers can inform debt collection agencies that their employers forbid workplace phone calls. Your company does not have to tell Caine & Weiner to stop making on the job phone calls.
All you have to do is explain the company policy to Caine & Weiner and the third party debt collector will then have “reason to know” your company’s workplace phone call policy.
Getting the most out of the FDCPA requires you to work with a licensed consumer protection lawyer. Your lawyer has several options to stop all the phone calls made by a debt collection agency.
A highly effective method involves sending Caine & Weiner a formal notice via certified mail that you want all the phone calls to stop, whether the calls are made to you at work or at home.
With a certified letter, you will receive confirmation in the mail that Caine & Weiner understands the cease and desist request. Another effective method for ending bill collector phone calls is to invoke the statute of limitations issued by your state for debt collection efforts.
Monetary Damages for FDCPA Violations
The stress caused by receiving debt collection agency phone calls can trigger a number of physical and emotional issues. If you suffer from physical and/or emotional duress because of the illegal actions of a third party debt collector, you might be eligible to receive financial compensation for your pain and suffering.
The FDCPA also grants consumers the right to seek back pay, as well as the money garnished to pay off a delinquent consumer debt. By hiring an experienced consumer protection lawyer, you have a much better chance of winning a civil lawsuit that awards you monetary damages.
Follow the timeless adage of “Never go into a gunfight armed with a knife.” Speak with a highly rated FDCPA attorney today to ensure you get all the legal protections granted by the landmark federal law.
*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 Caine & Weiner or any other third-party collection agency, you may not be entitled to any compensation.