The morning office meeting is about to begin when the administrative assistant walks into the room to inform you about a phone call waiting at the front desk.
You wonder what the call is about, but wonder quickly turns to embarrassment when you discover the person on the other end of the line is a representative from Collection Bureau of Hudson Valley. The representative immediately asks you to pay off an outstanding credit card or personal loan balance.
Debt collection agency phone calls at home cause enough stress. Imagine the stress triggered when you receive a phone call from a third party debt collector while you are at work. Panic overcomes rational thought, as you try to figure out how to deal with a bill collector.
Can a debt collection agency such as Collection Bureau of Hudson Valley call you at work?
The short answer is yes, but the company must follow the guidelines written into a landmark federal consumer protection law.
Methods for Getting Collection Bureau of Hudson Valley off Your Back
You can ignore phone calls made to you at work by Collection Bureau of Hudson Valley. However, ignoring the phone calls will motivate the third party debt collector to come after you with more purpose.
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to inform a bill collector that your employer prohibits phone calls made at work by debt collection agencies. Your employer does not have to communicate with Collection Bureau of Hudson Valley.
All you need to do for fulfilling the “reason to know” provision of the FDCPA is to tell the third party debt collector about your company’s anti-phone call policy.
Some bill collectors brazenly ignore consumer request to stop calling them at home and/or work. If you encounter a debt collection agency that refuses to abide by a “reason to know” request or any other type of cease and desist demand, then you should work with a licensed consumer protection lawyer to ensure the phone calls stop.
The FDCPA grants consumers the right to use numerous methods for ending the illegal tactics used by third party debt collectors. For example, a bill collector is not allowed to implement deceptive debt collection techniques to recover the money you owe on an outstanding credit card or personal loan account.
Debt collection agencies are not allow to abuse you in any way as well.
What Types of Monetary Damages Does the FDCPA Allow?
You might have heard about monetary damages awarded for the physical and emotional distress caused by the illegal actions of debt collection agencies. Did you know that consumers are entitled to statutory damages as well?
Above and beyond the money for pain and suffering, statutory damages are one time awards for the simple reason that a bill collector violated one or more provisions of the FDCPA. Courts award statutory damages per each lawsuit, not for each violated provisions of the FDCPA.
If a court awards a consumer $10,000 for suffering physical ailments like skin rashes and migraine headaches because of illicit bill collector tactics, the court can add a one-time $1,000 award to make the total monetary damages come out to $11,000.
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*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 Collection Bureau of Hudson Valley or any other third-party collection agency, you may not be entitled to any compensation.