Stop excessive calls from American Express
Is American Express calling you excessively over your unpaid credit card debt? Do not lose your calm, there is hope even in the face of harassing debt collection calls.
Have you ever heard about the FDCPA? The FDCPA is a strong federal law, fully known as the Fair Debt Collection Practices Act. It shields people against certain unlawful collection practices carried out by many collection agencies such as calling excessively, threatening to sue you for a debt for which the statute of limitations has expired, calling you at work, or at unfavorable hours of the day, etc. The law only applies to third-party debt collectors and can be used for only personal debts (this means that the FDCPA does not include debts acquired by a corporation or business debts acquired by an individual). The laws, however, vary from state to state.
You have a right to demand that debt collectors respect your FDCPA (Fair Debt Collection Practices Act) rights and treat you with the dignity worthy of your person. If they fail to do so, you can be awarded up to $1000 for every FDCPA violation claim, and at times have your debt waved. Call us today on 844-791-1990, if you believe your FDCPA rights have been violated by American Express.
Who is American Express?
American Express is a financial services corporation that is best known for their credit cards. They issue millions of credit cards across the world. In 2018, American Express agreed to settle TCPA class-action lawsuit filed in Illinois. This lawsuit accused American Express of using automatic dialer or an artificial or prerecorded voice calls to harass consumers. American Express denied any wrongdoing or guilt but settled the case for over $9.5 million dollars.
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American Express Phone Harassment
There are many ways companies like American Express harass consumers and violate their rights and the law. The TCPA limits when and how often a company like American Express or their affiliates can call a consumer. The TCPA also bans the use of automatic dialing systems. Some of the key parts of the TCPA that all companies including American Express must follow when making calls are below:
- Calls only between the hours of 8 a.m. and 9 p.m.
- Companies must maintain a “Do Not Call” list and follow it. Therefore not call the consumer again.
- Marketers may not send unsolicited advertisements by auto-dialer, prerecorded voice message, or fax to anyone without prior express consent.
- Customers must be able to opt-out of future robocalls during a robocall. The call must be disconnected right away and no future calls can be made to that consumer by that organization if there is an opt-out request.
- Calling without identifying themselves or without revealing the identity of the person or company on whose behalf they are making the calls
American Express Debt settlement
In a debt settlement agreement, the debt collector agrees to close your debt if you pay an agreed amount lower than your original debt. Debt settlement can however be quite tricky because it hurts your credit score and, in some cases, it requires that you pay taxes on the amount of the debt that was waived. A debt collector may also trick you into settling an already paid debt, or a debt for which the statute of limitations has expired; which revives the statute of limitations on the debt. so you must know all the details about the said debt before you agree to settle with American Express.
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. Rather than suffer alone, contact a legal professional to stop the harassment from American Express.
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