When debt collection agencies persistently call consumers at all hours of the day, every day of the week, that is considered harassment by federal law. Too many Americans are in between a rock and a hard place right now, with the total debt owed by U.S. households coming at a whopping $12.25 trillion. Just like there is no shortage of people in debt, there is no shortage of predatory debt collectors eager to hunt those who have fallen behind on making regular payments.
Debt is a big business in this country, with these collection agencies buying consumer debt for as little as three to ten cents on the dollar. With so much to gain, many collection companies can’t control themselves. They do whatever it takes to try to collect on people’s debts, even if that means breaking the law.
The Fair Debt Collection Practices Act and the Telephone Consumer Protection Act are the two laws in place right now that protect consumers from predatory debt collectors. It’s important to know how these laws, which are enforced by the Consumer Financial Protection Bureau and consumer law attorneys, work to protect consumers like you.
The Fair Debt Collection Practices Act aims to protect consumer privacy by restricting the actions of conniving debt collectors. The law was approved in the fall of 1977, but to this day too many collectors completely ignore it. The following actions are still all too common despite being prohibited under the FDCPA:
•Calling you at inconvenient times early in the morning or late in the evening, before 8 AM or after 9 PM or at any time they have been told is not a good time to call.
•Calling your workplace to speak about your debt after being asked not to.
•Pretending to be an attorney or law enforcement officer.
•Continuing to call after you have requested them to stop.
•Telling your friends and family members all about your debt.
•Using abusive, profane, or threatening language to get you to pay the debt.
•Exaggerating the amount that you owe.
•…and many more.
Under the Telephone Consumer Protection Act, calls and texts made through the use of automatic dialing systems and prerecorded messages are prohibited if the targets of such communications did not expressly consent to them. If you have not consented to receive communications from Alliance One via phone calls or text messages, they are breaking the law. You have the right to consider legal action with the help of a knowledgeable Miami TCPA attorney. Each TCPA violation could bring $500 to $1500 per call or text.
HOW DID ALLIANCE ONE BREAK THE LAW?
Unlike some of the more reputable collection agencies, Alliance One is not accredited by the Better Business Bureau. Instead, the company has roughly 200 complaints filed against them for several wrongdoings.
-Trying to collect debts that had been paid
-Attempting to collect on non-existent debts
-Trying to get debts paid by the wrong person
-Harassing and disrespecting consumers
-Misrepresenting the amount of debt owed
-Calling after being told not to
-Going after friends and family
Alliance One lists the number 215-354-5511 as their corporate office number on their website. Several other numbers are included, such as 866-405-7241 (Sales and Marketing department) and 800-620-1975 (government division sales and services). They may even call from a completely unrecognizable number, so be aware that these companies purposely use several numbers to confuse consumers. Find out how you may stand to receive $500 to $1500 per call or text with the counsel of a Florida TCPA attorney like Jibrael S. Hindi and his experienced team of consumer law attorneys. Call The Law Offices of Jibrael S. Hindi at 1-844-JIBRAEL or contact us online today.