Dec 03, 2012 Philip Burgess
According to the Southeast Texas Record, Melissa Stephens recently decided to file suit against Internal Credit Systems after an agent supposedly threatened her with legal action if she failed to pay off an outstanding debt. Moreover, the source detailed, the business didn't provide Stephens with written validation of the amount owed, per regulations. Stephens says that a worker at Internal Credit told her that if she did not amend a debt with Ultimate Family Fitness, the business was going to levy a lawsuit against her, the legal journal reported, and said that he or she was a representative of an attorney. Stephens is alleging a violation of both the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act and is asking for damages for results of the allegedly threatening conversation, including humiliation, anger, fear and anxiety. FDCPA may have been at the center
Stephens believes that an FDCPA violation is the crux of the problem. The regulation is widely regarded as the most all-encompassing law that governs the industry, as it specifies the ways in which a debtor can be contacted and what can be said during conversations. If the Internal Credit agent did indeed disobey the law, it may have been a violation of Section 807 of the FDCPA regarding false or misleading representations. The fifth paragraph reads that it is illegal for a collector to threaten to take any legal action that is impossible to pursue or that they have no intention of following through on. Recovery service companies need to remember to instruct new hires of all of the applicable laws in their region and ensure that staff know them inside and out before conversing with a debtor. Should a business teach trainees correctly and allow employees access to copies of the laws in the office, the firms may not face situations like that in Texas in the future.