The first time Delta Outsource Group, Inc. calls you in an attempt to collect an outstanding credit account or personal loan, chances are you will be caught off guard. Feelings of fear and anxiety quickly take over and the emotions can negatively impact how you handle questions from a third party debt collector.
You might divulge too much information or share personal financial data that Delta Outsource Group, Inc. does not have the legal right to know. A federal law passed in 1977 gives you several legal rights when dealing with debt collection agencies.
Under the Fair Debt Collection Practices Act (FDCPA) consumers can withhold personal financial information from third party debt collectors like Delta Outsource Group, Inc. You can also ask a third party debt collector to stop contacting you by phone, which a licensed FDCPA lawyer will formally request by sending a certified cease and desist letter.
A third party debt collector cannot bully you into paying a delinquent debt by issuing threats or using abusive language. The FDCPA and most state laws prohibit the implantation of deceptive techniques to collect on past due credit accounts and personal loans.
Work with an Experienced Consumer Protection Lawyer
Debt collection agencies employ professionals that receive extensive training to conduct phone conversations with consumers. Bill collectors refer to comprehensive scripts that address every possible phone call exchange.
When a representative from Delta Outsource Group, Inc. calls, you want to be prepared to handle every questions asked.
Every third party debt collector’s question is based on getting you to reveal personal financial information. Your FDCPA lawyer will consult with you to create a game plan that does not reveal too much information.
A lawyer will also discover violations of the FDCPA committed by a debt collection agency, such as calling you before 8:00 am and after 9:00 pm. Every violation of the FDCPA can bring a $1,000 fine against a debt collection agency.
How to Handle a Phone Call from Delta Outsource, Inc.
A third party debt collector must identify himself or herself immediately after you answer a call. After you hear who is on the other end of the line, you should make two brief statements to ensure you enjoy the maximum legal protections granted by state and federal consumer protection laws.
- Inform the debt collection agency you plan to tape record the phone conversation
- Ask the debt collector to show proof the outstanding debt is valid
By tape recording a phone call with a representative from Delta Outsource Group, Inc. you create evidence of any violations of the FDCPA. Requesting proof of a delinquent debt prevents a third party debt collector from trying to collect on a credit account or personal loan that has expired because of the statute of limitations.
You also want to know if Delta Outsource Group, Inc. is trying to collect a debt on behalf of the original creditor or if the debt collection agency has purchased the outstanding debt in question.
Do not allow Delta Outsource Group, Inc. get the legal upper hand in an attempt to get you to pay off a delinquent credit account or Personal loan. Contact a FDCPA lawyer today to receive the legal counsel you deserve under federal and state laws.
*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 Delta Outsource Group, Inc. or any other third-party collection agency, you may not be entitled to any compensation.