Before September 20, 1977, consumers were at the mercy of aggressive debt collection agencies that implemented aggressive debt collection tactics. In response to growing consumer anger, the United States Congress passed the groundbreaking Fair Debt Collection Practices Act (FDCPA).
The FDCPA immediately leveled the playing field between consumers and third party debt collectors by making several debt collection techniques illegal. In addition, the federal law grants consumers the right to seek monetary damages for one or more FDCPA violations.
Did you know that a bill collector like General Revenue Corporation is prohibited from calling you between the hours of 9 pm and 8 am? The debt collection agency is also forbidden from issuing threats and using abusive language in an attempt to intimidate you into paying off an outstanding credit card or personal loan balance.
Bill collectors are not allowed to implement deceptive debt collection techniques, such as impersonating the IRS and reaching out to family members in an attempt to persuade you to cave in and pay off a delinquent consumer debt.
Methods for Ending Bill Collector Phone Calls at Work
Although the FDCPA limits the period for debt collection agencies to call consumers, the federal law does not prohibit third party debt collectors from calling consumers at work. This does not mean you have to lie down when General Revenue Corporation calls you on the job.
The first step to take involves reaching out to a licensed consume protection lawyer that has amassed considerable experience litigating FDCPA cases. An accomplished FDCPA attorney ensures you receive all the legal rights granted by the federal law.
Your first line of defense against General Revenue Corporation is to refer to a clause in the FDCPA called “reason to know.” The highly effective clause means General Revenue Corporation has “reason to know” your employer forbids phone calls made by third party debt collectors to employees at work.
Simply inform General Revenue Corporation that your employer prohibits work phone calls and the calls should stop. Pother legal options to make the phone calls stop include negotiating a debt settlement or sending a cease and desist letter via certified mail.
If the phone calls continue, your consume protection attorney has the power to take the debt collection agency to civil court.
Are You Entitled to Monetary Damages?
If “reason to know” or any other FDCPA sanctioned method for stopping work phone calls made by a bill collector fails, your lawyer has the power to seek monetary damages for one or more FDCPA violations. Enduring aggressive debt collection agency tactics can take a toll on your physical health.
Unbearable stress and anxiety are capable of producing physical ailments like hives, severe migraine headaches, and life threatening heart issues.
If you suffer from physical distress because of the illegal practices followed by a third party debt collector, your FDCPA lawyer will seek a financial reward to compensate your for physical pain and suffering. Your attorney will present documentation linking your physical health issues with FDCPA violations, as well as ask medical experts to testify on your behalf.
Do not let General Revenue Corporation walk all over you. Speak with a consumer protection attorney today to learn more about how the FDCPA protects you against illegal bill collector practices.
*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 General Revenue Corporation or any other third-party collection agency, you may not be entitled to any compensation.