Falling behind on bills can at the very least disrupt your daily routine. You might have to work more hours at your current job, take on a second part time job, and/or cut back on dining and entertainment expenses.
The disruptive nature of falling behind on bills quickly turns into sheer panic when a debt collection agency calls your cell and/or home phone number. If you ignore the phones from a third party debt collector, you can expect the company to come after you with more purpose.
A bill collector such as Gatestone & Co International has no problem tracking you down at work to persuade you to pay off an outstanding credit card or personal loan account.
Can Gatestone & Co International Inc. call you at work? The legal answer is yes, as there is not a law forbidding the debt collection agency from reaching you at your office cubicle landline.
However, you can make the embarrassing phone calls stop by contacting a licensed consumer protection lawyer who thoroughly understands the Fair Debt Collection Practices Act (FDCPA).
How to Stop Debt Collection Agency Call at Work
Enacted by the United States Congress in 1977, the FDCPA provides consumers with numerous legal tools to stop third party debt collector phone calls. For work phone calls, you can use a provision called “reason to know.”
The provision means you can tell Gatestone & Co International Inc. that your employer prohibits bill collectors from calling employees while they are at work. Your employer does not have to contact a debt collection agency directly.
You take care of the problem by informing Gatestone & Co International Inc. the agency now has a “reason to know” your employer forbids debt collection agency phone calls at work.
By working with an experienced FDCPA attorney, you let a third party debt collector know that you are serious about making the work phone calls stop. Your lawyer has several other methods available to stop bill collector phone calls, including trying to negotiate a debt settlement that both parties agree to in the form of a written legal document.
You can also send Gatestone & Co International Inc. a certified cease and desist letter that requests the ending of all phone calls made to you, whether you receive the calls at work or at home. Another effective tactic is to invoke the debt collection statute of limitations imposed by the state where you live.
Can You Receive a Financial Award?
One of the reasons why the FDCPA is the most powerful consumer protection law on the books is because the landmark federal law grants the consumers the right to seek monetary damages for one or more FDCPA violations.
If you had your wages garnished to pay off a delinquent consumer debt and you prove your FDCPA violation charges, a court has the power to approve a financial award. The same principle applies to lost wages caused by your employer reducing work hours or you losing your job because of the stress caused by FDCPA violations.
Make the FDCPA work in your favor by speaking with a highly rated consume protection attorney.
*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 Gatestone & Co International Inc. or any other third-party collection agency, you may not be entitled to any compensation.