If you are in debt and have been contacted by a debt collector, you should be aware that the debt collector is limited in its activity towards you. It cannot pester you continuously, harass you to pay back the debt or threaten you in any way. This type of behavior is frequently mentioned by debtors. Debt collection agencies are regulated by the Fair Debt Collection Practices Act (FDCPA), a federal law that allows you to sue the agency if it has violated any of the provisions of the Act. An attorney who specializes in consumer law can help you with a claim.
About Rash Curtis & Associates, Inc.
Rash Curtis & Associates, Inc. is a debt collection agency based in Vacaville, California. It has been in the debt collection business since 1977, serving the healthcare, retail, banking industries, utilities and government departments. A Better Business Bureau file was opened on Rash Curtis & Associates, Inc. in 1992, but the company is not accredited to BBB. Currently, the agency’s rating and profile is being updated online, but there are familiar complaints recorded on BBB’s website showing that Rash Curtis & Associates has been overstepping the mark in relation to its legitimate dealings with its clients’ debtors.
What is Considered a Threat?
The FDCPA explicitly prohibits a number of activities and behavior which unfortunately, some employees of U.S. debt collection agencies get into the habit of. Some of the behavior that is regarded as a threat is listed below.
- Actual physical violence, up to and including criminal assault;
- Threat to have the debtor arrested;
- Threat to have wages garnished;
- Threat to seize any of your assets or property;
- Threat to publish your name on a list of debtors accessible to the public.
Damages You May Be Entitled to
You are entitled to sue any debt collector that has been harassing or threatening you for damages. You can obtain monetary compensation in cash of up to $1,000 together with other damages which depend on the type of threat or harassment you have proof of. Possible damages may include:
- Compensation for physical and / or emotional harm and distress;
- Compensation for wages that may have been lost or garnished as a result of your distress caused by a threat or threats by the collector;
- Attorney’s fees;
- Court costs.
End the Threats Today
Debt collectors are unlikely to give up harassing you or using threatening behavior by politely asking them to stop. If you have evidence that they have violated the FDCPA you should contact an attorney with experience in consumer law, including dealing with FDCPA violations, as soon as you can. The sooner you initiate legal proceedings against the debt collector the sooner you will see the back of them. Use the Free Evaluation form below to locate a suitable attorney in your area.
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*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Rash Curtis & Associates, Inc., or any other third-party collection agency, you may not be entitled to compensation.