Is Atlantic Collection Agency, Inc. hounding you?
Debt is not a death sentence, however, it is often a frustrating and uneasy road to travel on. What makes it more of a nightmare is having a debt collection agency like Atlantic Collection Agency, Inc. pestering you with unending calls to get you to pay up.
Atlantic Collection Agency, Inc. often goes overboard when trying to make their customers pay up. Some debt collection representatives may even resort to badgering you with unending calls and messages, that threaten you into resolving your debt.
As it is Atlantic Collection Agency, Inc. ‘s job to make sure you pay your debt, they will often do anything it takes. As scary and uncomfortable as the scenario above may sound, there is no need to get worked up or anxious about it, do you know why? Because Debt collectors must act in accordance with the FDCPA and TCPA laws.
The Telephone Laws that protect you
In response to the complaints of consumers, the FCC established telephone protection laws which stipulate that telephone solicitation representatives must provide:
- His or her name
- The name of the person or entity on whose behalf the call is being made
- A telephone number or address at which that person or entity can be reached
The law also bans telephone representatives from making solicitation calls to your home before 8 am or after 9 pm. It also requires telemarketers to comply with your request to not be contacted again.
The TCPA does not permit the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines. The act also bans auto-dialers and artificial or prerecorded voice messages programmed to contact your pagers or cellular phones. Calls for which a charge is made to the receiving entity are also not permitted. Anyone using an autodialer or an artificial or prerecorded voice message to call you must also state their identity at the beginning of the message and give their address and phone number during the call.
Finally, 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.
What is the FDCPA and what does it say?
In summary, the FDCPA are guidelines put in place to ensure fair debt collection. This ensures that the rights of the consumers are not violated, and gives them an avenue to dispute and obtain information that proves the legitimacy of the debt.
The FDCPA and the guidelines it stipulates must be obeyed to the letter by Debt collection agencies. If Atlantic Collection Agency, Inc. has defaulted on any of these laws, they can be taken to court and fined up to $1000per harassment charge.
5 things you should know about the FDCPA
- Some debt collection cases result in massive wins for the consumers who can recover up to $1000 in statutory damages. It should also be known that punitive damages do not have a specific amount.
- The FDCPA does not cover any business-related debt, the laws of the FDCPA cover personal and household debt only.
- The laws are concerned with third-party debt collectors which excludes original lenders.
- The appellation “debt collector” could sometimes include lawyers. Creditors occasionally hire lawyers to help them recover debt, this, however, works under the FDCPA if such a person often engages in debt collection.
- Some states have their own fair debt collection laws, these laws are in addition to those provided by the FDCPA, some of these state laws protect consumers from both creditors and third-party debt collectors.
In what manner can Atlantic Collection Agency, Inc. act that is against the FDCPA
There are conducts that are prohibited by the FDCPA when it comes to recovering debt, they include:
- Contacting you outside the hours of 8:00 am to 9:00 pm or at an inconvenient time.
- Being untruthful about your debt or the consequences of not paying.
- Publishing your name and address on the “bad debt list”
- Failure to stop contacting you even after informing them in writing that you do not wish to be contacted.
- Using abusive or disrespectful words when addressing you.
- Threatening to harm you in any form.
- Discussing your debt with third parties that have no business knowing about the case.
- Contacting you at your workplace after they have been informed not to.
- Contacting you directly after being briefed that you are being represented by a lawyer.
- Demanding injudicious amounts that are not permitted under an applicable agreement.
- Contacting you with the aim to embarrass or humiliate you.
- Threatening to arrest you when it is not permitted
Violating these laws is an act of debt collection harassment by Atlantic Collection Agency, Inc.
About Atlantic Collection Agency, Inc.
Located in East Lyme, Connecticut, Atlantic Collection Agency, Inc. is a full-service collection agency that specializes in medical debt collection.
194 Boston Post Rd,
EastLyme, CT 06333-1613
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
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Atlantic Collection Agency, Inc. BBB Information
BBB file opened: 7/24/2004
Consumer Rights Law Firm Center BBB information
BBB Rating: A-