Consumer Financial Board Claims Against Debt Settlement Company

Debt Collection Abuse

Claims Against Debt Consolidation Companies 

The CFPB’s complaint alleges that the defendants violated the Telemarketing Sales Rule by collecting illegal fees and deceiving consumers about being charged upfront fees. Consumers seeking debt relief help from the attorneys in this case were given two contracts, one for debt settlement services and the other for bankruptcy-related services. The CFPB alleges that consumers who signed up sought services only for debt relief and not bankruptcy. The contract given to consumers related to bankruptcy was a ruse to disguise illegal upfront fees.

 

Assessing your debt consolidation compamy

Debt Collection Abuse, Debt Consolidation Problem

How do you access a debt consolidation company

1. Check reviews

First you want a company in business long enough to generate reviews.  Then you want mostly good reviews.

2. Interim Check 

If you retained a company, check to see if progress has been made in 3 or 6 months.  By then creditors should have been contacted and some arrangements made for resolution.  Otherwise, you could find after say 2 years that little progress has been made.

3. Clarify Long-Term Contracts

One worries that you could enter into a long-term agreement and find that little has been done during that period and the consumer is without recourse.

References  

Singletary, M. (2011, June 16) Debt Consolidation Companies: 6 Red Flags. Retrieved from https://www.pbs.org/wnet/tavissmiley/a-wealth-of-knowledge/debt-consolidation-companies-6-red-flags/

NA (2010, July) Debt Relief Services & the Telemarketing Sales Rule: A Guide for Business. Retrieved from https://www.ftc.gov/tips-advice/business-center/guidance/debt-relief-services-telemarketing-sales-rule-guide-business

Shannon. (2012, April 25) How To Find A Reputable Debt Consolidation Company. Retrieved from https://blog.readyforzero.com/how-to-find-a-reputable-debt-consolidation-company/#.V0W69Pkwjbh

Friedberg, B. (ND). Compare Reviews for Debt Consolidation Companies. Retrieved from https://www.consumeraffairs.com/debt_counsel/

N.A. (ND) Pay off credit card balances and save. Retrieved from: https://www.sofi.com/personal-loan-credit-card-consolidation/

N.A. (ND) Personal Loans. Retrieved from: https://www.avant.com/personal-loans/

N.A. (ND) Personal Loans Through Prosper. Retrieved from: https://www.prosper.com/trusted/personal-loans

N.A (ND) Personal Loans. Retrieved from: https://www.lendingclub.com/loans/personal-loans-pd-1

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The Penalties for Violating the Do Not Call List: What Consequences Auto Warranty Telemarketers Can Face for Breaking the Rules

The Penalties for Violating the Do Not Call List: What Consequences Auto Warranty Telemarketers Can Face for Breaking the Rules

Do Not Call List ,

If you’ve ever received an unsolicited call from a telemarketer trying to sell you a car warranty, you’re not alone. Many people in New York and New Jersey have experienced this frustrating intrusion. Fortunately, there are laws in place to protect your privacy and hold telemarketers accountable for their actions. In this article, we’ll explain the penalties for violating the Do Not Call List and how you can seek compensation if your rights have been infringed upon. Remember, you don’t have to face this alone. Our experienced law firm is here to guide you through the process and fight for your rights.

 

Understanding the Do Not Call List

 

The Do Not Call List is a powerful tool designed to shield consumers from unwanted telemarketing calls. By adding your number to this list, you express your desire not to receive such calls. Telemarketers are legally obligated to respect your wishes and refrain from contacting you.

 

Examples of Car Warranty Do Not Call List Violations

 

Some telemarketers, unfortunately, choose to disregard the rules and continue making unsolicited calls. Here are a few examples of common violations related to car warranty telemarketing:

  1. Ignoring the Do Not Call List: Telemarketers call individuals who have registered their numbers on the Do Not Call List.
  2. Misrepresenting the Warranty: Telemarketers provide false or misleading information about the terms and coverage of the car warranty they’re promoting.
  3. Robocalls: Telemarketers use automated dialing systems to deliver pre-recorded messages without the recipient’s consent.

 

Penalties for Violating the Do Not Call List

 

Telemarketers who violate the Do Not Call List regulations can face severe penalties, both federally and within New York and New Jersey:

  1. Federal Penalties: The Federal Trade Commission (FTC) can impose fines up to $43,280 per violation.
  2. New York Penalties: In New York, telemarketers can face penalties of up to $11,000 per violation.
  3. New Jersey Penalties: In New Jersey, telemarketers can face penalties of up to $10,000 for the first offense and up to $20,000 for subsequent offenses.

 

Seeking Compensation

 

If you’ve been subjected to car warranty telemarketing calls in violation of the Do Not Call List, you may be entitled to compensation. The amount of compensation you can receive depends on various factors, including the number of violations and the laws governing your state:

  1. Federal Compensation: Under federal law, you may be eligible to receive up to $500 per violation. If the violations are willful, the compensation can be tripled to $1,500.
  2. New York Compensation: In New York, consumers can seek damages of $500 for each unsolicited call or $1,500 if the telemarketer willfully violated the law.
  3. New Jersey Compensation: In New Jersey, consumers can seek damages of $500 for each violation, or $1,500 if the violation was willful or knowing.

 

Contact Our Experienced Law Firm for Assistance

 

If you believe your rights have been violated by car warranty telemarketers, don’t hesitate to reach out for help. Our dedicated law firm specializes in handling Do Not Call List claims in New York and New Jersey. We have a proven track record of success and are committed to fighting for the compensation you deserve.

 

Call us today at (973) 598-1980 for a Free Consultation, and our experienced attorneys will review your case, explain your rights, and guide you through the legal process. Remember, you don’t have to face this alone. We are here to support you every step of the way.

 

Get further information on the Do Not Call List:
Do Not Call List Q & A 
Debt Collection Harassment
How To Stop Extended Car Warranty Phone Calls
Car Warranty Calls Won't Stop? Here's How To Stop Fake Warranty Calls

 

Disclaimer: The information provided in this article is for general informational purposes only and does not constitute legal advice. For personalized legal guidance regarding your specific situation, please consult with a qualified attorney.

Your Rights Under the Telephone Consumer Protection Act (TCPA): How to Get Compensation for Violations Related to Car Warranties

Do Not Call List
TCPA

Photo by Onur Binay on Unsplash

If you’ve ever received an unwanted call, text message, or fax from a telemarketer, you may be protected under the Telephone Consumer Protection Act (TCPA). This federal law was created to govern telemarketing and to set guidelines for robocalls and automated messages. Here’s what you need to know about your rights under the TCPA.

 

Overview of the TCPA

The TCPA was enacted in 1991 and has since been updated to include new technology, such as cell phones and text messaging. The law applies to both telemarketing and non-telemarketing calls, and it requires companies to obtain prior express consent before making automated calls or sending text messages to consumers.

 

What is a Robocall?

A robocall is a call that is automatically dialed and delivered through an automated system, often using pre-recorded messages. While some robocalls are legal, others are not. For example, companies are prohibited from making robocalls to consumers who have not given prior express consent, except in certain limited circumstances.

 

What is Express Consent?

Express consent means that a consumer has given explicit permission for a company to contact them using an automated system or pre-recorded message. Companies must obtain express consent in writing or through an electronic signature. Verbal consent is not enough.

 

Examples of TCPA Violations Related to Car Warranties

Car warranty telemarketers are notorious for violating the TCPA. Here are some common examples of TCPA violations related to car warranties:

  1. Robocalls to consumers who have not given prior express consent
  2. Calls made to numbers on the National Do Not Call Registry
  3. Calls made to numbers that are on the company’s internal Do Not Call list
  4. Calls made to consumers who have specifically requested to be removed from the company’s call list

 

What to Do if You Believe Your Rights Have Been Violated

If you believe that your rights under the TCPA have been violated, there are several steps you can take:

  1. Keep a record of the date and time of the call, the name of the company, and the name of the person who called you.
  2. Ask the caller to remove you from their call list and confirm that they have done so.
  3. File a complaint with the Federal Communications Commission (FCC) and/or the Federal Trade Commission (FTC).
  4. Contact a lawyer who specializes in TCPA violations to discuss your legal options.

 

Why You Should Contact a Lawyer

If you have been the victim of TCPA violations related to car warranties, you may be entitled to compensation. A lawyer who specializes in TCPA violations can help you understand your rights and take legal action against the companies that have violated the law. With the help of a lawyer, you can seek damages for each violation, including $500-$1500 per call or text message.

 

Take Action Now

If you believe that your rights under the TCPA have been violated, don’t wait to take action. Contact a lawyer who specializes in TCPA violations to discuss your legal options. Remember, you have the right to protect yourself from unwanted calls and to seek compensation for any violations of the law.

 

At our law firm, we specialize in representing consumers who have been contacted in violation of the TCPA, especially related to car warranties. Contact us and let us help you take legal action to protect your rights and seek the compensation you deserve:

➡ Call us at (973) 598-1980 for a Free Consultation

How to protect yourself from unsolicited calls related to car warranties: Tips and strategies for avoiding unwanted phone solicitations

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Unsolicited calls related to car warranties can be particularly annoying, as fraudulent companies often use scare tactics to convince consumers that their car warranty has expired and they need to purchase a new one. If you’re receiving unwanted phone solicitations related to car warranties, here are some tips and strategies to protect yourself.
 

Tip #1: Register with the Do Not Call List

The first step in protecting yourself from unsolicited calls is to register your phone number with the Do Not Call List. This will help prevent most unsolicited telemarketing calls from legitimate companies, including those related to car warranties. However, it won’t stop all calls, especially those from fraudulent or illegal companies.
 

Tip #2: Don’t answer calls from unknown numbers

If you receive a call from an unknown number, let it go to voicemail. If it’s important, the caller will leave a message. If it’s a telemarketer related to car warranties, they will likely hang up without leaving a message.
 

Tip #3: Block known telemarketing numbers related to car warranties

If you receive calls from known telemarketing numbers related to car warranties, block them on your phone. This will prevent them from calling you in the future.
 

Tip #4: Be cautious of unsolicited calls related to car warranties

If you receive an unsolicited call related to car warranties, be cautious and do not give out any personal information. Instead, contact your car manufacturer or dealer directly to verify the information. Remember, legitimate companies will not pressure you to make a purchase or provide personal information over the phone.
 

Tip #5: Contact a lawyer

If you have received unsolicited calls related to car warranties despite taking all the necessary precautions, it’s important to contact a lawyer who specializes in Do Not Call List violations related to car warranties. An experienced lawyer can help you understand your rights, determine if a violation has occurred, and represent you in court if necessary. They can also help you seek compensation for any damages you may have suffered as a result of the violation.
 

Conclusion

Unsolicited calls related to car warranties can be particularly frustrating and can often be scams. By following these tips and strategies, you can protect yourself from unwanted phone solicitations related to car warranties. Remember, you have the right to control who contacts you, and companies must abide by the law when making calls. If you have received unsolicited calls related to car warranties, contact a lawyer for the best chance of seeking justice and protecting your rights.

 

At our law firm, we specialize in representing consumers who have been contacted in violation of the Do Not Call List, especially related to car warranties. Contact us and let us help you take legal action to protect your rights and seek the compensation you deserve:

➡ Call us at (973) 598-1980 for a Free Consultation

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