Understanding Quick Processing Solutions LLC Debt Collection Practices: Know Your Rights
Understanding Quick Processing Solutions LLC Debt Collection Practices: Know Your Rights. Dealing with debt collection can be a stressful and challenging experience, especially when it involves persistent calls, letters, or even threats from collection agencies. One such company that consumers may encounter is Quick Processing Solutions LLC, a debt collection agency involved in recovering outstanding debts for creditors. If you find yourself in a situation where Quick Processing Solutions LLC is attempting to collect a debt from you, it’s essential to understand your rights under federal and state laws, particularly the Fair Debt Collection Practices Act (FDCPA).
In this blog post, we will explore who Quick Processing Solutions LLC is, what debt collection practices they may use, and most importantly, how to protect yourself from unfair or illegal practices. We will also cover steps you can take to dispute a debt or stop harassment by debt collectors. If you are a victim of harassment under the FDCPA, you may receive statutory damages up to $1000.00 plus your attorney fees paid by the debt collector.
Who is Quick Processing Solutions LLC?
Quick Processing Solutions LLC is a third-party debt collection agency that collects debts on behalf of creditors, such as banks, credit card companies, medical facilities, or utility providers. Debt collectors like Quick Processing Solutions typically contact consumers when their accounts are overdue or in default, attempting to recover the money owed to their clients.
Like other debt collection agencies, Quick Processing Solutions must comply with the FDCPA, a federal law that regulates the behavior of debt collectors and protects consumers from abusive, deceptive, or unfair collection practices.
Is Quick Processing Solutions LLC a Scam?
According to the BBB page, Quick Processing Solutions has been in business since 2010. There have been 12 complaints closed in last 3 years and 4 complaints closed in last 12 months. You can read more about Quick Processing Solutions here.
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Typical FDCPA Violations
While the FDCPA offers robust protections for consumers, debt collectors sometimes violate these rules. Below are some of the most common FDCPA violations that debt collectors commit:
1. Harassing or Abusive Behavior
One of the most common FDCPA violations involves harassment. Debt collectors are prohibited from using any form of harassment, intimidation, or abuse in their efforts to collect a debt. This includes:
- Excessive phone calls: Debt collectors cannot repeatedly call you with the intent to harass or annoy you. If they make frequent calls in a short period, especially at inconvenient times, this could be a violation.
- Use of abusive language: Debt collectors cannot use obscene, profane, or threatening language when speaking to you. Any form of verbal abuse is prohibited under the FDCPA.
- Threats of violence or harm: Debt collectors cannot threaten you with physical violence, harm, or any other form of intimidation.
2. Misrepresentation or Deception
Debt collectors are required to provide accurate and truthful information when communicating with you. They cannot use deception or misrepresentation to collect a debt. Some common examples of misrepresentation include:
- Pretending to be someone else: Debt collectors cannot pretend to be an attorney, law enforcement officer, or government agent in order to scare or coerce you into paying a debt.
- Falsely claiming you owe a debt: If the debt collector claims you owe money when you do not, or misrepresents the amount of the debt, they are violating the FDCPA.
- Misleading information about legal consequences: Debt collectors may not falsely claim that legal action has been or will be taken against you if no such action is planned.
3. Unlawful Threats of Legal Action
Debt collectors are allowed to pursue legal action in some cases, but they cannot threaten legal action that they do not intend to take. For example:
- False threats of a lawsuit: A debt collector cannot threaten to sue you unless they have the legal authority and intention to follow through on that threat. Empty threats of lawsuits are illegal under the FDCPA.
- Threats of wage garnishment or asset seizure: Debt collectors may not threaten to garnish your wages or seize your property unless they have obtained a court order and have the legal right to do so.
4. Contacting Third Parties Illegally
Under the FDCPA, debt collectors are limited in who they can contact about your debt. In general, they are only allowed to speak with you, your attorney (if you have one), or the original creditor. However, there are some limited circumstances where they can contact third parties:
- Contacting your family, friends, or employer: Debt collectors can only contact third parties to obtain your contact information, such as your phone number or address. They cannot discuss the details of your debt with anyone other than you or your attorney.
- Publicizing your debt: Debt collectors cannot publicize your debt or shame you by disclosing it to others. They are prohibited from sharing your debt information with anyone outside of the necessary parties.
5. Failing to Send a Validation Notice
Within five days of their first contact with you, debt collectors are required to send you a written notice known as a debt validation notice. This notice must include:
- The amount of the debt.
- The name of the creditor to whom the debt is owed.
- A statement that you have the right to dispute the debt within 30 days.
- Information about how to request verification of the debt.
If a debt collector fails to provide this notice, they are violating the FDCPA. This validation notice is crucial because it gives you the opportunity to challenge the legitimacy of the debt or request additional information.
6. Calling at Inconvenient or Prohibited Times
Debt collectors are limited in the times they are allowed to call you. According to the FDCPA, they cannot contact you:
- Before 8 a.m. or after 9 p.m.: Debt collectors must adhere to these time limits unless you give them permission to call outside of these hours.
- At work if your employer prohibits it: If you inform the debt collector that your employer does not allow you to take debt collection calls at work, they must stop calling you at your place of employment.
7. Continuing Collection Attempts After a Dispute
If you dispute a debt in writing within 30 days of receiving the validation notice, the debt collector must stop all collection efforts until they verify the debt. This is known as the debt verification process. During this time, the collector must provide proof that the debt is valid before they can resume collection efforts.
If a debt collector continues to try to collect the debt before verifying it, they are in violation of the FDCPA.
8. Ignoring a Cease-and-Desist Request
If you send a cease-and-desist letter to a debt collector, they must stop contacting you. The only exception is that they can contact you one final time to inform you of their next steps, such as filing a lawsuit or stopping collection efforts altogether. Continuing to contact you after receiving a cease-and-desist letter is a clear violation of the FDCPA.
Conclusion
Debt collection can be overwhelming, but knowing your rights and taking action can help you regain control of the situation. If you’re dealing with Quick Processing Solutions LLC or any other debt collection agency, understanding the protections afforded to you by the FDCPA is critical. Remember, you have the right to request debt validation, dispute the debt, stop communication, and report any illegal practices.
By taking these steps and seeking legal assistance, if necessary, you can protect yourself from harassment and ensure that debt collection practices are conducted lawfully and fairly. If you’re unsure of your rights or how to respond to debt collection efforts, consulting with an attorney experienced in consumer protection laws can provide valuable guidance.
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 currently facing harassment or are interested in learning more about how to protect yourself from it, call us at (877)700-5790 for immediate assistance.
https://consumer.ftc.gov/articles/debt-collection-faqs
