- Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
- Is a debt collector demanding payment without providing proof that the debt is valid?
- If so, we’ll take immediate action to stop the harassing calls!
- You could be eligible for up to $1,000 in statutory damages.
- Remember, you won’t be responsible for any legal fees.
Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.
Understanding Debt Collection and APD
Debt collection is the process of recovering debts owed by individuals or businesses to creditors. APD is a debt collection agency that offers a range of services to help businesses and individuals manage their debts. Our team of experts has extensive experience in debt collection and recovery, and we are committed to providing a professional and respectful service to our clients and their customers.
At APD, we understand that debt collection can be a complex and sensitive issue. That’s why we take a personalized approach to each case, working closely with our clients to understand their specific needs and goals. Our team is trained to communicate effectively with customers, and we use a range of strategies to recover debts in a fair and respectful manner.
How Debt Collection Works
Debt collection typically begins when a creditor hires a debt collection agency like APD to recover a debt on their behalf. Our team will then contact the customer to discuss the debt and work out a plan for repayment. We use a range of communication channels, including phone, email, and mail, to reach customers and negotiate a settlement.
Once a payment plan is agreed upon, our team will work with the customer to ensure that payments are made on time. We also offer a range of payment options, including online payments and payment plans, to make it easy for customers to pay their debts.
Spotting Debt Collection Scams
Debt collection scams are a growing concern, with many scammers using fake debt collection agencies to trick people into paying fake debts. At APD, we want to help you spot debt collection scams and protect yourself from these types of scams.
Here are some common signs of a debt collection scam:
- The debt collector is pushy or aggressive
- The debt collector demands immediate payment
- The debt collector threatens to arrest you or take legal action
- The debt collector refuses to provide proof of the debt
If you suspect that you are being targeted by a debt collection scam, do not pay the debt. Instead, contact the creditor directly to verify the debt and seek advice from a trusted financial advisor.
Is APD Harassing You Over a Debt Collection Agency?
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 debt 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.
Taking Control of Your Debt
Taking control of your debt can be a daunting task, but it’s an important step towards achieving financial stability. At APD, we offer a range of resources and tools to help you manage your debt and get back on track.
Here are some tips for taking control of your debt:
- Make a budget and track your expenses
- Prioritize your debts and focus on paying off high-interest debts first
- Consider consolidating your debts into a single loan with a lower interest rate
- Communicate with your creditors and work out a payment plan
- Seek advice from a trusted financial advisor
By taking control of your debt, you can reduce stress and anxiety, improve your credit score, and achieve financial stability. At APD, we are committed to helping you achieve your financial goals and providing you with the support and resources you need to succeed.
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 free case review page.
Check out this link for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.
Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.
