You might receive a letter from a debt collection agency that seems to go over the top for the handling of a debt collection effort. The letter might contain strong language and/or clear threats to take you to court for collecting an outstanding credit card or personal loan balance.
If you thought debt collection letters are bad, wait until a third party debt collector begins to harass you by phone.
The incredible financial incentives collectors have to collect delinquent consumer debts often leads to forceful phone calls that exceed the boundaries of decency. Debt collection agency phone calls can be harassing simply by the tone a representative uses to convince you to pay off a debt. For years, consumers had no legal recourse to fight back against aggressive third party debt collectors. That all changed on September 20, 1977, with the enactment of the most important consumer protection law in the United States.
A Bill Collector Wants to Wear You Down
Most bill collectors operate on the principle that the more the companies badger you, the more likely you are to surrender your federally granted consumer protection rights. By making phone calls repeatedly throughout the day, third party debt collectors use the classic boxing strategy of slowly wearing you down in preparation for delivering the knockout punch. However, the Fair Debt Collection Practices Act (FDCPA) prohibits the practice of repeatedly calling consumers to collect delinquent credit card and personal loan balances.
How a FDCPA Lawyer Can Help You Stop Phone Calls from DCM
Many consumers are unaware of a powerful tool they have to stop the harassing phone calls made by a debt collection agency. Even if they are aware of the powerful tool, a vast majority of consumers do not know how to use the powerful tool effectively. By writing a cease and desist letter, you send DCM Services the message that you want the harassing phone calls to stop. You can write the formal cease and desist notice yourself, but you will get more legal traction by hiring a FDCPA attorney to write the notice for you.
A seasoned consumer protection lawyer that has compiled an impressive record of litigating FDCPA cases knows exactly how to word a cease and desist letter. He or she will not use emotionally charged language that only fires up the opposition. Your FDCPA lawyer will use clear, straightforward language that lets DCM Services know the time has come to stop harassing you by phone. Moreover, your attorney will send the formal cease and desist notice by certified mail to ensure DCM Services receives it.
Are You Entitled to Monetary Damages?
It is a tough question that only your FDCPA attorney can answer. You might qualify for statutory damages, which is a one-time financial award that covers all of the FDCPA violations committed by a debt collection agency. If your lawyer can gather enough evidence, you might be eligible to receive compensation for suffering from physical and/or emotional duress. Your attorney will submit medical documentation proving your assertions, as well as call expert healthcare professionals to the stand to testify on your behalf.
Contact a FDCPA lawyer to determine the best course of legal action that will make DCM Services stop harassing you over the phone.
*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 DCM Services or any other third-party collection agency, you may not be entitled to any compensation.