Protect Yourself from Harassing Debt Collectors

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How to Protect Yourself from Harassing Debt Collectors and Autocalls

Telephone Consumer Protection Act (TCPA) had been formulated to protect debtors from the malpractice of collection agencies and creditors to autodial the debtors. Not only is the practice problematic, annoying and repetitive, but they can also be quite inconvenient at times. However, thanks to TCPA, you are no longer to put up with these auto calls. As per Los Angeles based lawyers belonging to Recovery Law Group law firm, in case you have denied permission or added yourself to the Do Not Call Registry and are yet receiving autocalls, you need a debt attorney. Some of the steps you can take to protect yourself include –

Get Proof
Any litigation or lawsuit requires proof to prove your point or disprove the opposition’s point. There are different ways of how you can do this:

• Save all voicemails resulting due to any auto dialled calls. These messages help your case when you discuss it with an attorney. The messages help establish your stand that the collection agencies have acted inappropriately as per TCPA.
• Alternately, you can also take physical pictures of calls as and when they are coming in. the phone’s caller ID displays the details along with the time at which the call was made, which can help establish that not only were you contacted by collection agencies but also at times which are inappropriate (too early or too late)

Consult a Debt Attorney

If despite your request to be placed on a do-not-call list, you are still receiving auto calls from collection agencies, you need to contact lawyers ASAP. Both the creditors and collection agencies are responsible for their actions and should be held accountable for them. Taking legal actions against their wrongdoings can make you entitled to compensations ranging from $500-$1500 per call!
However, before you start any legal process, it is important to be sure that you have not granted your permission, without ever realizing it. If you have placed your mobile number on an original loan application, it can pass as a de facto stamp of approval. The best alternative to revoking their permission is to submit a request (both on phone and in writing as well).
Keep everything documented and if you think that you are eligible for damages under TCPA, make sure to consult a debt attorney regarding this issue.