CONSUMER RESOURCES

When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

A to Z Collection Services

Address:

Contact Them:

premium-wordpress-themes.org

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you before 8 am or after 9 pm.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 1 Comment

    1. Rebecca Hammond on November 9, 2014 at 5:42 pm

      Travis Dickson from “A to Z Courier Service” left a message for me that he had a legal package for me and that I was required to make myself available with 2 forms of ID and a witness. He was very vague and used Legalese terminology which I presume was meant to intimidate me. He never called me a Defendant or specifically said I was being sued, but he said things that implied that. He said I was required to make myself available with 2 forms of ID and a witness as stated above, that if I didn’t he would approach me at my place of employment. He also said that if I did not make myself available I wouldn’t know what time I was supposed to appear, and that if I wanted to contact the Plaintiff directly, I was free to do so, and he gave me the number 844-875-4081. Up until then he had retained the semblance of professionalism on the message, but then he said “I’m not trying to blindside or embarrass you” which clinched it for me that he was from one of those borderline illegal collection agencies that undoubtedly bought a list with my name unfortunately on it. He closed with “you’ve officially been notified. I’ll be seeing you shortly unless I receive a cease and desist. Have a nice day.” He also called my mother and when she told him no one by my name lived there, she could give him no information, and then hung up, he called her back immediately and left a message saying all the same stuff above, once again making it sound like I was being sued without ever actually saying it. He did come out and tell my mother that I was going to be in a heap more problems if I didn’t make myself available for him to deliver the legal package. Since he basically said he was going to show up at my door, I confess I’m a little uneasy, but if they really are in Illinois, that seems unlikely. Since I don’t owe anyone anything, I’ll be sending them a cease and desist, which will hopefully stop this before it gets out of hand.

    Share Your Experience





    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.