Being in debt is an uncomfortable and frustrating time for anyone, what makes it even more tormenting is having debt collectors from Andrew Metcalf invading your privacy with unending calls over your debt that has gone into default.
Andrew Metcalf has the responsibility of recovering the debt you owed to your original lender. The debt collectors who work for this agency only get paid when they get you to resolve your debt, hence they often overstep their boundaries which quickly escalates into debt harassment.
Under the FDCPA (Fair Debt Collection Practices Act) Debt collection Agencies must act in line with the laws prescribing how a consumer should be treated. The FDCPA protects the rights of debtors to ensure they are not threatened, harassed, or mistreated by Collection Agencies like Andrew Metcalf in their bid to recover the debt owed.
A quick breakdown of the FDCPA
The laws stipulated by the FDCPA does not protect debtors from original lenders, it also does not cover business loans. What this implies is that the FDCPA is concerned only with third-party debt collection agencies that handle personal debts either for themselves or on behalf of the original lender.
Things you need to know about the Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) was instituted in 1977 by the Federal Government to protect debtors, not from debt, but to checkmate the means through which debt collection agencies go about recovering a debt. The FDCPA laws protect the debtors from being harassed, this is done by checking the number of times a Debt Collection Agency is allowed to call, where they are allowed to contact the debtors and their manner of approach. If a debt collection agency violates these laws, they can have a lawsuit against them within one year of the incidence and could be made to compensate the debtor up to $1,000 and they could also have their debt waved.
What classifies as Debt Harassment?
The laws of the FDCPA stipulates that a debt collection agency is required to provide:
- The Name of the creditor
- The Amount owed
- Instructions on your right to dispute the debt claim
. If they refuse to do this, it can be considered harassment. Some other examples of debt harassment under the laws of the FDCPA include:
- Contacting you in ways that are humiliating or offensive or inappropriate.
- Discussing the debt with third parties, all debt information should be known only by relevant authorities.
- Continually contacting you after being told to stop in writing.
- Using profane, abusive, or offensive language.
- Attempting to collect a debt for which the statute of limitations has expired.
- Threatening bodily harm on you, your family or close acquaintances
- Communicating with you after you have filed bankruptcy.
How the TCPA has you covered
Have you been plagued by ceaseless calls from Credit control services inc? no need to panic anymore, the telephone consumer protection laws exist! it seeks to protect consumers like you who have been pestered by unending calls from debt collection agencies. The TCPA was signed into law in 1991 by President George H. W. Bush.
The law essentially seeks to put in check the ways debt collection agencies use fax machines, text messages, prerecorded messages, and automatic dialing systems when contacting you. They are also required to identify themselves, state the entity they represent, and leave their contact information. The law also prohibits telephone representatives from calling your home before 8 am or after 9 pm. It also requires telemarketers to comply with your request to not be contacted again.
Also, the act restricts sending unsolicited advertisements by fax to anyone without their prior consent. If the Telephone Consumer Protection Act is violated then you may be entitled to $500 in damages for each violation.
About Andrew Metcalf
Andrew Metcalf is a third-party debt collector located in Avon, Massachusetts that has been involved in the debt collection industry since 1992.
185 Main St Ste 34,
Avon, MA 02322-1452
Phone: (508) 857-4410
What to do if you keep getting Ceaseless calls from Andrew Metcalf
- Know your rights, you are entitled to be treated respectfully.
- Be sure the representative of Credit Control Services, Inc. identifies themselves and the agency they are representing.
- Avoid engaging the representative in a word battle, hang up if abusive words are being hurled at you.
- Save any harassing messages you have received on your voice mail in case you need to present evidence of it in the future.
- Do not disclose personal information especially to an anonymous caller.
- Ensure the authenticity of the debt, this establishes that you are not being scammed by fraudsters.
- Seek legal advice.
Andrew Metcalf is often referred to or searched for by other names. These include:
Judgment Acquisitions Unlimited
About this site (Telephone Harassment)
Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms, and Original lenders. We also encourage consumers to share their experience dealing with collection harassment, legal threats or excessive phone calls to help prepare others for the kind of treatment they are likely to receive. We alert consumers of scams and notify them about the harassment and scare tactics that many collection agencies employ, many of which are against phone harassment laws.
Call us now on 844-791-1990
Andrew Metcalf may be contacting you from the following numbers:
Andrew Metcalf BBB Information
BBB file opened: 6/29/2005
Consumer Rights Law Firm Center BBB information
BBB Rating: A+