Having to deal with a debt collection agency like SRS and Associates Inc. can produce considerable stress and anxiety. Imagine what your stress and anxiety levels reach when a third party debt collector contacts you at work.
Most bill collectors relentlessly attempt to collect outstanding consumer debts because of the incredible profit margins earned. Debt collection agencies purchase delinquent credit card and personal loan balances from original creditors for a percentage of the original debts.
Is a debt collection agency allowed to call you at work? The short answer is yes, but a landmark federal consumer protection law enacted in 1977 changed the way third party debt collectors go about their business.
The Fair Debt Collection Practices Act (FDCPA) includes several provisions that define illegal bill collector actions.
How Do You Get SRS and Associates Inc. to Stop Calling?
The FDCPA provides consumers with several methods for ending debt collection agencies both at home and at work. For work phone calls, tell the third party debt collector that your employer forbids such calls at work.
Your employer doesn’t have to make the request; all you have to do is inform SRS and Associates Inc. that the agency now has a “reason to know” your employer prohibits debt collection agency phone calls at work.
You can also send a cease and desist letter or invoke the statute of limitations for the collection of delinquent debts in your state. Just remember the FDCPA addresses debt collection agency phone calls at work, not the work phone calls made by the original creditor.
Although the FDCPA offers consumers numerous ways to stop third party debt collector phone calls, the method you opt for carries much more legal weight when you work with a licensed consumer protection lawyer.
Your attorney will ensure a cease and desist letter is sent via certified mail to confirm SRS and Associates Inc. received the letter. An experienced FDCPA lawyer will know when the statute of limitations has expired as well.
Above all, you will receive expert legal representation that might lead to the filing of a lawsuit that seeks monetary damages for pain and suffering.
Monetary Damages You Can Seek
The FDCPA allows consumers to seek monetary damages for violations of the federal consumer protection law. You can seek money for suffering from physical and/or emotional distress.
The FDCPA gives consumers the right to seek monetary damages for back pay, as well as any wages garnished to pay off a credit card or personal loan account. You also can seek money to pay attorney fees, which can run thousands of dollars for a prolonged civil lawsuit.
Physical distress includes ailments such as skin rashes, acute migraine headaches, and muscle spasms caused by intense anxiety.
Your lawyer will present documentation of your physical ailments and call expert witnesses to the stand that will link your physical duress to the illegal actions of a third party debt collector. How much money a court awards you for suffering from physical distress depends on the length and the severity of the physical ailments.
Speak with an experienced consumer protection attorney to learn more about how the FDCPA stops the debt collection agency phone calls made to you at work.
*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 SRS and Associates or any other third-party collection agency, you may not be entitled to any compensation.