Stop National Debt Collection Harassment!
Stop National Debt Collection Harassment! Tired of National Debt Collection Harassment? Wish there was a way to make the calls stop? Threatening you with legal action? Has National ever used abusive or profane language when speaking with you on the phone? If so, National may be violating your legal rights. Stop the Debt Collection Harassment. The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Who is National?
National is a third-party debt collector. You may receive calls from National regarding debts from Reel Time Capital, APD or Advance America.
Illegal Collection Tactics
If National engages in any of the following tactics, you may have a case: Using profane or abusive language Collection agencies cannot call before 8:00am or after 9:00pm. Calling you multiple times per week Talking to others about your debt Calling your workplace Threatening to sue you, harm you, or destroy your credit Telling you or anyone else that you’ve committed a crime Calling repeatedly for the wrong person Failing to notify you of your right to dispute the debt Trying to collect more than legally allowed
What is the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from abusive debt collection practices. Under the FDCPA, debt collectors are prohibited from making false, deceptive, or misleading statements, including legal threats, to coerce payment from consumers. Here are some examples of legal threats that would violate the FDCPA:
- Threatening Legal Action without Intent: A debt collector threatens to sue the consumer even though they have no intention or legal grounds to do so. For example, saying, “If you don’t pay this debt, we will take you to court,” when the collector has no plans to file a lawsuit.
- Threatening Arrest or Imprisonment: A debt collector falsely claims that non-payment of a debt will result in arrest or imprisonment. For example, stating, “If you don’t pay, you will go to jail,” when failing to pay a debt is not a criminal offense.
- Threatening Garnishment or Seizure: A debt collector threatens to garnish wages or seize property without having obtained a court order or when such actions are not legally permissible. For example, “We will garnish your wages if you don’t pay,” when the collector does not have the legal authority to do so.
- Threatening to Disclose Debt Information: A debt collector threatens to disclose the consumer’s debt to their employer or other third parties in an attempt to embarrass or coerce payment. For example, “We will tell your boss about your debt,” when such disclosure is prohibited.
- Threatening Legal Consequences without Proper Notice: A debt collector threatens legal action without providing the consumer with the required notices under the FDCPA. For example, “We will sue you immediately,” without first providing the consumer with a written notice of the debt and the consumer’s right to dispute it.
- False Representation of Legal Consequences: A debt collector misrepresents the legal consequences of not paying a debt. For example, “You will be sued for thousands of dollars in legal fees,” when such fees are not legally applicable.
- Misrepresenting Affiliation with Law Enforcement or Government Agencies: A debt collector falsely implies that they are affiliated with law enforcement or government agencies. For example, “We are working with the police to collect this debt,” when no such affiliation exists.
Consumers who believe they have been subjected to illegal threats under the FDCPA can file a complaint with the Consumer Financial Protection Bureau (CFPB) or seek legal counsel to explore their options for recourse.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop the National debt collection harassment. If you are interested in learning more about how to safeguard yourself and prevent even more National debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com check out a link for even more information:
