Global Resolution Center LLC Debt Collection Harassment?
Global Resolution Center LLC Debt Collection Harassment? Wish there was a way to make the calls stop? Is Global Resolution Center constantly calling and harassing you? Does your phone ring every day, several times per day, because Global Resolution Center is calling you to demand payment? Threatening you with legal action? Has Global Resolution Center ever used abusive or profane language when speaking with you on the phone? If so, Global Resolution Center may be violating your legal rights. Stop the 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.
Is Global Resolution Center LLC a scam?
According to the Better Business Bureau website, Global Resolution Center LLC has been in business since 2017.
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Global Resolution Center LLC Better Business Bureau
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What is Third-Party Disclosure Under the FDCPA?
Third-party disclosure refers to the rules and restrictions placed on debt collectors regarding their communication with anyone other than the consumer who owes the debt. The FDCPA strictly limits when and how a debt collector can disclose information about a consumer’s debt to third parties, including family members, friends, employers, or any other person who is not directly involved in the debt.
The primary intent of these provisions is to prevent debt collectors from using tactics that could embarrass or coerce consumers by sharing their private financial information with others. Under the FDCPA, improper third-party disclosure can be considered a violation, subjecting the debt collector to legal consequences.
Key Provisions of Third-Party Disclosure Under the FDCPA
The FDCPA includes several key provisions that regulate third-party disclosure, ensuring that consumers’ privacy is protected during the debt collection process.
1. Who Can a Debt Collector Contact?
Under the FDCPA, a debt collector is generally prohibited from communicating with third parties about a consumer’s debt. The law specifically restricts communication with the following parties:
- Family Members: Debt collectors are not allowed to discuss a consumer’s debt with their spouse, children, parents, or other relatives, except under very limited circumstances.
- Friends and Neighbors: Debt collectors cannot contact a consumer’s friends, neighbors, or acquaintances to discuss the debt.
- Employers: Debt collectors are generally prohibited from contacting a consumer’s employer regarding their debt, except to verify employment or the consumer’s location.
- Other Third Parties: This includes any person who is not directly responsible for the debt, such as roommates, business partners, or co-workers.
The only individuals or entities with whom a debt collector can discuss a consumer’s debt without violating the FDCPA are:
- The Consumer Themselves: Debt collectors can directly communicate with the consumer who owes the debt.
- The Consumer’s Attorney: If the consumer is represented by an attorney, the debt collector must direct all communication to the attorney rather than the consumer.
- The Creditor: The debt collector can communicate with the original creditor regarding the debt.
- Credit Reporting Agencies: Debt collectors are permitted to report a consumer’s debt to credit reporting agencies.
2. Permissible Third-Party Contacts
While the FDCPA generally prohibits third-party disclosure, there are specific situations where a debt collector may contact a third party:
- Locating the Consumer: If the debt collector is unable to locate the consumer, they are permitted to contact third parties (such as neighbors, relatives, or employers) to obtain information about the consumer’s whereabouts. However, the debt collector must adhere to strict guidelines during these communications:
- The debt collector can only ask for the consumer’s address, home phone number, or place of employment.
- The debt collector cannot disclose that the consumer owes a debt.
- The debt collector is not allowed to contact the third party more than once unless the third party requests a follow-up or if the debt collector reasonably believes the information provided was incorrect or incomplete.
- Verification of Employment: Debt collectors may contact a consumer’s employer to verify employment, but they cannot discuss the debt or request any other information beyond what is necessary to confirm employment.
- Contacting Co-Debtors or Co-Signers: If another person is legally responsible for the debt (such as a co-signer or co-debtor), the debt collector can communicate with that person about the debt.
3. Prohibited Practices in Third-Party Disclosure
The FDCPA explicitly prohibits certain practices related to third-party disclosure to protect consumers from harassment and invasion of privacy:
- Disclosing the Debt to Unauthorized Parties: Debt collectors cannot reveal the existence of a debt to unauthorized third parties, such as friends, neighbors, or family members who are not legally responsible for the debt.
- Using Deceptive Tactics: Debt collectors cannot use deceptive means to obtain information about a consumer from third parties. For example, they cannot pretend to be someone else or provide misleading information to extract details about the consumer’s whereabouts.
- Communicating in a Harassing Manner: Repeatedly contacting a third party, using threatening language, or attempting to embarrass the consumer through third-party communication is prohibited under the FDCPA.
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 Global Resolution Center LLC debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm, PLLC Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent even more Global Resolution Center LLC debt collection harassment, 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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