Receiving a phone call from a debt collection agency at home can trigger considerable stress. Imagine what the stress level is like when a third party debt collector such as Rash Curtis & Associates calls you at work.
Not only do the phone calls disrupt your time and diminish your productivity, the calls also can create an incredible amount of embarrassment because of the scrutiny placed on you by professional peers.
A bill collector like Rash Curtis & Associates is not prohibited from calling you at work. Nonetheless, you are granted the right by the groundbreaking Fair Debt Collection Practices Act (FDCPA) to demand the debt collection agency stop calling you at work and at home.
For work phone calls, you can tell the third party debt collector that your employer does not allow bill collectors to contact employees at work. Legally referred to as “reason to know,” the valuable consumer protection tool requires you to explain clearly to Rash Curtis & Associates the phone call policy of your employer.
Methods for Getting a Debt Collection Agency to Stop Calling You
Many debt collection agencies ignore the requests made by consumers to stop making phone calls at work. If you try to stop Rash Curtis & Associates from calling you on your own, you can face considerable resistance from the debt collection agency.
However, when you work with a licensed consumer protection lawyer, Rash Curtis & Associates will take the request to stop calling you at work much more seriously. In addition, your FDCPA attorney might send a letter notifying a third party debt collector about violations of the FDCPA.
The FDCPA prohibits bill collectors from issuing threats and using abusive language in attempts to strong arm consumers to pay off delinquent credit card and personal loan accounts. A debt collection agency is also forbidden from contacting consumers between the hours of 9 pm and 8 am.
Bill collectors are not allowed to implement deceptive debt collection techniques, including impersonating a government agency such as the IRS.
Although your lawyer’s stern warning to a third party debt collector might not stop the phone calls made to you at work, the FDCPA permits consumers to seek monetary damages for the pain and suffering caused by bill collectors.
Do You Have the Case to Win Monetary Damages?
The stress and anxiety caused by debt collection agency phone calls can lead to intense physical ailments, including ulcers, severe muscle cramps, and prolonged migraine headaches.
Your FDCPA lawyer will present documented evidence of your physical issues, as well as call to the stand medical professionals that will link your assorted physical problems to the third party debt collector phone calls made to you at work.
Emotional duress is much harder to prove, as it is uncommon for emotional issues to produce physical evidence. The issues caused by emotional duress are more subtle, but certainly not less impactful than the physical woes triggered by bill collector phone calls.
Emotional issues can include strained personal and professional relationships. Your marriage might be damaged because of the phone calls made to you by a debt collection agency at home and at work.
Speak with a consumer protection attorney today to learn more about how the FDCPA protects you against the illegal actions taken by a bill collector.
*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 Rash Curtis & Associates or any other third-party collection agency, you may not be entitled to any compensation.