Are You Being Harassed by Travelers Management Group?
Are You Being Harassed by Travelers Management Group? Everyone who has been in a debt has one or two stories to share about debt collectors and their various collection tactics. Debt collectors like Travelers Management Group are tasked with the job of getting you to resolve your delinquent debts. In case you ever wondered why Travelers Management Group puts so much effort into getting you to pay your debt, it is because when a debt collector successfully recovers a debt from a debtor, the debt collector gets paid.
If you’re in a very bad financial state, you may be tempted to ignore a debt collector to evade the responsibility of paying your debt, this is not advisable because failing to pay debt collectors early leads to future complications. furthermore, you have rights protected by the FDCPA and the TCPA which a debt collector must respect so you do not have to be scared of a debt collector.
Travelers Management Group harassment is unlawful and a violation of your rights. If Travelers Management Group does not wish to have a lawsuit filed against them, they must act in accordance with the FDCPA (Fair Debt Collection Practices Act), which insists that they must respect your rights in the context of debt collection. Under the Fair Debt Collection Practices Act, you can receive compensation for the violation of your rights. Statutory damages are up to $1000.
Who is Travelers Management Group?
According to their website, Travelers Management Group is a third-party debt collector. The founders and management team at Travelers Management Group have over 40 years of combined experience in the field of account recovery. All of our associates are carefully selected and thoroughly trained to ensure that our accounts are handled with the utmost professionalism and care.
Contact information
Toll Free: 866-745-0075
info@tmgllc.co
Defining Debt Collection Harassment
Debt collection harassment occurs when a creditor or debt collector uses abusive, unfair, or deceptive practices to collect a debt. Harassment can take many forms, including repeated phone calls, threats, intimidation, and other tactics designed to pressure the debtor into paying. Under the FDCPA and other relevant laws, many of these practices are prohibited.
Common forms of debt collection harassment include:
- Frequent and Unreasonable Phone Calls
- Debt collectors are not allowed to repeatedly call you to annoy, harass, or abuse you. This includes calling multiple times a day or calling at inappropriate times, such as early in the morning or late at night. The FDCPA restricts debt collectors from contacting you before 8 a.m. or after 9 p.m., unless you agree to it.
- Threatening or Abusive Language
- Debt collectors cannot use obscene, profane, or abusive language when communicating with you. They are also prohibited from threatening you with violence, harm, or actions they cannot legally take.
- Threats of Legal Action
- While debt collectors have the right to sue you for unpaid debts, they cannot threaten legal action unless they genuinely intend to follow through. False threats of lawsuits, wage garnishments, or arrest are illegal under the FDCPA.
- Disclosing Debt Information to Third Parties
- Debt collectors are not allowed to discuss your debt with anyone other than you, your spouse, or your attorney. This means they cannot contact your employer, neighbors, or family members to pressure you into paying the debt. The only exception is that they can contact third parties to obtain your contact information, but they cannot disclose that you owe a debt.
- Misrepresenting the Amount Owed
- Debt collectors are prohibited from lying about the amount of money you owe or misrepresenting the status of your debt. They must provide accurate information and cannot inflate the debt amount by adding unauthorized fees or interest.
- Contacting You After You’ve Requested Them to Stop
- If you inform a debt collector in writing that you do not want to be contacted, they must stop contacting you except to confirm that they will stop or to inform you of specific legal actions they intend to take. Continuing to contact you after such a request can be considered harassment.
- Using False or Misleading Statements
- Debt collectors cannot use deceptive practices to collect a debt. This includes pretending to be law enforcement officers, misrepresenting the nature of the debt, or falsely claiming that non-payment will result in arrest or criminal charges.
How to Respond to Debt Collection Harassment
If you believe you are experiencing debt collection harassment, there are several steps you can take to protect yourself:
- Keep Detailed Records
- Document all interactions with the debt collector, including phone calls, letters, and emails. Keep a log of the dates, times, and nature of the communications, as well as any witnesses who may have overheard the calls.
- Request Debt Validation
- If you are unsure about the validity of the debt or the amount owed, you have the right to request a validation of the debt. The debt collector must provide documentation proving that you owe the debt and the exact amount.
- Send a Cease and Desist Letter
- If you want the debt collector to stop contacting you, you can send a written cease and desist letter. Once the debt collector receives this letter, they are legally obligated to stop contacting you, except to inform you of specific actions they intend to take.
- Report the Harassment
- Report the debt collector’s behavior to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and your state’s attorney general’s office. These agencies can investigate and take action against the debt collector if they are found to be in violation of the law.
- Consider Legal Action
- If the harassment persists, consider consulting with an attorney who specializes in consumer protection or debt collection law. They can help you understand your rights, evaluate your case, and, if necessary, file a lawsuit against the debt collector.
Conclusion
Debt collection harassment is a serious issue that can cause significant stress and anxiety for consumers. However, it’s important to remember that you have rights and protections under the law. The FDCPA and other state laws are in place to ensure that debt collectors treat you fairly and respectfully, even when attempting to collect on a legitimate debt.
About Us
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 our office to begin the process to stop the Travelers Management Group harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Travelers Management Group call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
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