Is APD Harassing You Over a Debt?
Is APD Harassing You Over a Debt? Are you receiving debt collection calls from APD and wondering how to stop the harassment stemming from these calls? Have you asked agents of APD to stop calling, yet they continue to call you? Wish there was a way to make the calls stop? Congress enacted the Fair Debt Collection Practices Act (FDCPA) to stop harassing phone calls from companies like APD. In many cases the offending companies are required to pay damages to those who were being harassed.
Steps to Take If You’re Being Harassed by APD
If you believe that APD is harassing you, there are several steps you can take to protect yourself:
- Document All Interactions: Keep detailed records of all communications with the debt collector. Write down the dates, times, and details of phone calls, save any voicemails, and keep copies of all letters and emails. This documentation will be valuable if you need to file a complaint or take legal action.
- Request Debt Validation: Under the FDCPA, you have the right to request that the debt collector validate the debt. They are required to provide proof that the debt is legitimate and that they have the right to collect it. You must send this request within 30 days of their initial contact.
- Send a Cease-and-Desist Letter: If the harassment continues, you can send a written request to Global Recovery Solutions, LLC, instructing them to stop contacting you. Once they receive this letter, they are only allowed to contact you to confirm receipt or to inform you of specific actions they intend to take, such as filing a lawsuit.
- File a Complaint: If the harassment persists, you can file a complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and your state’s attorney general. These agencies can investigate the debt collector’s practices and take appropriate action if they are found to be violating the law.
- Seek Legal Advice: If the harassment is severe or if you’re uncertain about how to proceed, consider consulting with an attorney who specializes in consumer rights or debt collection law. An attorney can help you understand your rights, advise you on your options, and potentially represent you in legal action against the debt collector
Speaking to collector
In writing, inform the collector that you are aware of your rights and ask for the harassment to stop. You may also let them know how you wish to be contacted henceforth and point out that harassment is a criminal offence, and you intend to take further action if it doesn’t stop. You can get your lawyer to send this on your behalf or send it yourself via certified mail with a return receipt included. If you do not have a lawyer representing you, you can contact our team of A+ accredited attorneys at 877-700-5790.
Suing or reporting the collector to a professional body
If the harassment persists, then you can sue the collection agency for harassment. You are guaranteed statutory damages of $1000 in addition to actual damages if you prove a valid case of harassment. What’s more, you won’t need to pay us a dime if you hire us to represent you and win. You may also report them to the CFPB, which may be a slower and more drawn-out process, as the CFPB responds to thousands of complaints against debt collectors every day.
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. If you are interested in learning more about how to safeguard yourself better from APD Harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
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