IS PORTFOLIO RECOVERY ASSOCIATES CONSTANTLY CALLING? YOU MAY BE ENTITLED TO SIGNIFICANT REWARDS

Being in debt is a stressful enough time as it is without the attention of debt collection companies. Yet, if you have an outstanding debt, or even share the same phone number as someone who does, you could be the target of endless calls and nuisances from such companies. Dozens of collection agencies exist throughout the country that refuse to abide by federal laws enacted to protect consumers like you.

Two laws exist that aim to prevent harassment by debt collection agencies: the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA). The former shields consumers from incessant phone calls placed to cellular phones or text messages that were placed without consent. It also requires solicitors like debt collectors to respect numbers placed on the National Do Not Call Registry. The latter is very similar in nature as it seeks to restrict the abilities of debt collectors to become a nuisance in consumers’ lives. Both acts share much in common.

THE FDCPA AND TCPA

These two laws are strictly enforced by the Consumer Financial Protection Bureau and Miami FDCPA lawyers such as Jibrael S. Hindi. The following provisions are included in the FDCPA:

• Debt collection agencies cannot call at inconvenient times, before 8 AM or after 9 PM
• Collectors cannot call you at a place of work without permission
• Collectors must identify themselves and where they are calling from
• Collectors must stop calling upon request
• Collectors must not talk about your debt to third parties
• Collectors must not use threatening, abusive, or disrespectful language toward you
• Collectors are required to provide an accurate read of the debt you owe

The TCPA restricts telephone solicitation in specific ways:

• Debt collection agencies cannot call at inconvenient times, before 8 AM or after 9 PM
• Collectors cannot call you if you are on the Do Not Call Registry
• Collectors must provide their name and reveal the company they are calling from
• Collectors cannot call residences using artificial voice recordings
• Collectors must not talk about your debt to third parties
• Collectors cannot call a cell phone or send a text message to numbers without express written consent

WHAT HAS PORTFOLIO RECOVERY ASSOCIATES BEEN ACCUSED OF?

Portfolio Recovery Associates, or PRA Group, is a large company with over 3,500 employees. With headquarters in Virginia, the company holds over 30 million consumer accounts throughout the US. They have allegedly attempted to collect debt from the wrong people, harassed consumers while at work and at times restricted by the FDCPA and TCPA, used aggressive maneuvers to attempt to collect, and constantly threatened legal action they could not take.

Florida residents with significant debt often experience harassment from companies such as PRA Group. Oftentimes, these companies call from various phone numbers to confuse the target. Know that if you receive calls or texts from this company, they may come from several numbers. You may also be entitled to compensation of $500 to up to $1500 per call or text for the harassment when you seek an experienced Florida TCPA attorney like Jibrael S. Hindi and his team of consumer law attorneys. Call The Law Offices of Jibrael S. Hindi at 1-844-JIBRAEL today.