How To Get Financial Justice
Between robocalls and debt collectors, many people have stopped answering calls from numbers that they do not recognize. This is unfortunate because it puts you in a position where you could miss some really important information. If only there was a way to put an end to this annoying telephone harassment. Here’s how to get financial justice from debt collectors!
Debt Collector vs Voicemail
One of the best things about voicemail is that those pesky debt collectors will leave you messages. Sometimes these messages are not so nice, bordering on being rude, even threatening, and other times you find that they’ve inundated your voicemail with messages. Consequently, voicemails — like video and written communication — always seem to win. Why? Well, simply put, it’s pretty hard to dispute proof.
Hmm, Financial Justice
If you know your rights, then you know that these voicemails could be worth some financial justice. But if you’re not sure what your rights are then continue reading to find out what you need to know.
What Most People Don’t Know
A great many people are undoubtedly unaware that they have rights against such a provocation and that there are rules and regulations to make sure that your rights are protected.
What Your Rights Are
Some regulations that these debt collectors must adhere to are:
- They should be straightforward with you and they must communicate to you their identity and intent.
- They cannot share your information.
- Debt collectors cannot call you multiple times a day and cannot call you after 9pm or before 8am (your time zone), unless you have agreed to it.
- They should reveal to you who the first account holder is and what the first obligation amount is.
- You reserve the option to ask that the debt collectors stop all endeavors to get in touch with you by telephone and mail with an end goal of receiving payment on a debt.
- Any verbal and/or physical threats from debt collectors are prohibited and may lead to legal consequences.
The above mentioned are just a few of the regulations enacted by Congress to hold these agencies accountable for their actions while bringing some peace to consumers.
What You Can Do
Some debt collectors appear to overlook these regulations. The Credit Care Company never overlooks the regulations and can help you in understanding the new Fair Debt Collection Practices Act (FDCPA guidelines) that may allow you to enact legal action against a debt collector for not complying with the established guidelines.
If this sounds familiar to you and you’re ready to move forward, or if you just want to learn more about how we may be able to assist you don’t hesitate to contact us, let’s talk.