Everyone with an email or a mailbox has been a victim of junk mail. Junk mail is usually comprised of letters, offers, promotions, and advertisements sent out to a wide demographic of people with no other purpose but to get you to sign up for something or invest in a service. While this type of mail is generally harmless, it could be to your benefit if you held on to some of your junk mail.
Individuals who live with debt are accustomed to debt collectors making endless collection attempts. They will call, text, email, and mail notices that are frequently discarded by stressed out debtors who would prefer not be bothered. This may not be the best idea. Many debt collectors use deceptive tactics that lie in the text of emails and mailed letters to get borrowers to pay up. These tactics are often in clear violation of the Fair Debt Collection Practices Act (FDCPA) and can result in creditors paying you.
Possible Infringement of Rights
Debt collectors and even attorneys’ offices often send out letters that contain false, misleading, or aggressive statements that violate FDCPA. The only reason why these individuals are not held responsible for their shady practices is that debt collection mail tends to end up in the trash.
One popular example involves NCO Financial Services and GFS Financial Solutions. They sent out notices for debt payment disguised as pre-approved credit card offers. In bold print headlining each letter was “Transfer your debt to a Pre-Approved+ MasterCard®!” Many people assumed these to be applications for credit and threw them away unaware that they were actually attempting to collect debt.
Unbeknownst to the many individuals who received these misleading letters and considered it junk mail, the companies who sent them out were in violation of FDCPA law. The only way to recognize when creditors infringe upon your rights is to be cognizant of the regulations in place that protect you from such acts. FDCPA law protects you against:
- Using abusive or confrontational language
- Exaggerating the amount owed
- Calling a third-party to discuss your debt (family, friend, spouse, etc.)
- Refusing to identify themselves
- … and many other intrusive tactics
It is also illegal for a creditor to contact you upon learning that you have acquired legal representation. The Florida FDCPA attorneys at the Law Offices of Jibrael S. Hindi can serve as your legal ally as you hold debt collectors accountable for their invasive collection tactics. Our attorneys are well informed on FDCPA law and can get the debt collectors to pay you! Contact us today at 1-(844)-JIBRAEL for a free case evaluation. You don’t pay a dime until we win for you!