Advanced Capital Solutions is a company that is known to commit violations under the FDCPA (Fair Debt Collection Practices Act). Do you feel as if you’re being harassed by Advanced Capital Solutions? Do you feel that something seems unfair or unjust? It can feel difficult figuring out how to deal with these issues. The good news, you have rights and it doesn’t need to be difficult. If you feel you’re being harassed contact our office and we will be happy to assess and inform on the various laws regarding FDCPA for free! Legal Rights Advocates has been successful through our commitment to putting an end to debt collection harassment. Call us now at (855)254-7841 or visit our site www.yourlegalrightsadvocates.com and submit a free case review to be contacted by one of our FDCPA experts!
Advanced Capital Solutions knowingly puts pressure on their debtors by employing collection tactics such as leaving misleading voicemails, making mention of legal action, contacting family members, not validating or disputing debts properly. As a result, it leaves the consumer feeling like they’re being harassed. FDCPA violations are punishable by monetary compensation of up to $1000!
Here is the FDCPA (Fair Debt Collection Practices Act) outlines that enforce debt collection practices, and which, if found violated by Advanced Capital Solutions, can result in consumer harassment.
- Identification: Debt collectors must identify themselves and provide their identity while also informing consumers that information gleaned may be utilized in further debt collection efforts.
- Details of Creditor: Debt collectors must inform consumers about the entity they are collecting debt on behalf of. This includes leaving contact details with the consumer so that there is no ambiguity around the creditor’s identity.
- Communicating Consumer Rights: Consumers have their rights, which include disputing the debt itself. Debt collectors must communicate this to consumers.
- Verification of the Debt: Once the consumer has been contacted, the collector must provide them with a notice to the effect that they can request debt verification. If the request for debt verification does come through, debt collectors need to provide the consumer with proof in the form of a receipt or a record of the overdue debt. Read about the validation of debt .
- Misrepresenting Information: Any kind of misinformation is illegal, whether it is details of the debt or providing false information regarding their own identities or that of the creditor. Debt collectors are bound to provide correct details regarding all aspects of the debt to the consumer.
- Contacting Consumers: A debt collector cannot contact consumers before 8 a.m. or after 9 p.m. Once a consumer has stated refusal to pay up, legal action can be taken up depending on the reasons for refusal. However, continuing to contact the consumer or making frequent calls can be construed as harassment and the consumer would be well within their rights to take-action against this harassment.
- Threatening the Consumer: Debt Collectors cannot threaten consumers with potential legal action or tell the consumer they will be sent to prison. Using abusive language is also prohibited. https://www.law.cornell.edu/uscode/text/15/1692e
- Informing Others About the Debt: Debt collectors cannot leave details of the debt with anybody other than the consumer. It is also illegal to make the debt public. Read more on the acquisition of local information .
- https://www.law.cornell.edu/uscode/text/15/1692c
Learn more about communication in connection with debt collection.
Note the numbers associated with Advanced Capital Solutions:
- (888)686-9475
- (855)477-8864
- (913)364-1734
- (865)444-4804
Stop the Harassment from Advanced Capital Solutions
Outlines of the FDCPA are punishable by monetary compensation if violated.
Debt harassment can be confusing as to what collection agencies can and can’t do. However, it can be best understood by someone conversant with the laws and able to apply them to individual cases in the appropriate manner. A Consumer Advocate at legal Rights Advocates www.yourlegalrightsadvocates.com can help explain.
Legal Rights Advocates, PLLC is a law firm that strives to represent clients who are facing debt harassment and looking for ways to bring a stop to it. Our team consistently has shown the ability to be successful in resolving FDCPA issues.
Call us at (855) 254-7841 for immediate assistance and to put a stop to the harassment.