Falling behind on bills is one thing. Having to deal with a debt collection agency that calls you throughout the day is quite another thing. Fear and anxiety can trump sound reasoning, which leads to you making one or more mistakes in the way you handle bill collector phone calls. If you are dealing with the phone calls made by a debt collection agency such as Atlantic Credit & Finance, you should know a federal consumer protection law has your back.
Enacted by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) prohibits dozens of previously acceptable third party debt collector tactics. The sweeping consumer protection law also grants consumers the right to seek monetary damages for the pain and suffering caused by a bill collector. The most effective way to enjoy the protections granted by the FDCPA is to work closely with a licensed FDCPA attorney.
Phone Call Practices Banned by the FDCPA
As the most cited FDCPA phone call violation, bill collectors are not permitted to call consumers before 8 am and after 9 pm. However, many consumers are unaware the FDCPA places restrictions on the phone calls made by debt collection agencies to consumers in the workplace. According to the FDCPA, if a bill collector knows an employer does not allow debt collection agency phone calls at work, the third party debt collector must comply by not calling the consumer in the workplace. Your employer does not have to tell Atlantic Credit & Finance directly about company policy. All you have to do is explain the policy to the bill collector.
Send a Formal Cease and Desist Notice
Trying to stop the harassing phone calls made by a debt collection agency can overwhelm the strongest person. The problem is you do not need to fight the good fight alone. By working with a consumer protection lawyer, you can send a formal cease and desist notice demanding an end to all forms of communication. Your attorney will use professional language, as well as explain the consequences of not complying with the cease and desist request. One of the consequences of non-compliance with a cease and desist notice is you can seek monetary damages for one or more violations of the FDCPA.
Seeking Monetary Damages against Atlantic Credit & Finance
Fighting back against the actions of a bill collector can take a toll on your work performance. Your employer might address your lackluster work performance by cutting your hours and/or decreasing your pay. The result is lower income that continues the downward financial spiral. If your FDCPA attorney can prove a link between your lost wages and the illegal actions of Atlantic Credit & Finance, you might be eligible to receive some, if not all of the back pay. Your consumer protection lawyer will present documentation that demonstrates how much money you lost in wages.
Speak with a highly rated consumer protection attorney today to learn more about how the FDCPA protects you against the harassing phone calls made by a debt collection agency.
*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 Atlantic Credit & Finance or any other third-party collection agency, you may not be entitled to any compensation.