Hollis Cobb Associates
What is Hollis Cobb’s Associates? HCA is a debt collection agency, whose contact information can be found on the IRS site. The IRS site contains valuable information about how to combat identity theft. HCA was also named as a defendant in more than one federal lawsuits concerning its collections of upfront fees from debtors. In 2021 the U.S. Congress passed the Fair Debt Collection Practices Act, better known as the FDCPA. This act provides consumer protection from collection agencies who are abusive in their collection practices. Among other things, the law requires debt collectors to inform people that they will be notified if they do not pay their debts. It also requires that all collection agencies to obtain a consumer’s permission before sending a letter or making phone calls to a person’s home or workplace.
But what is the scope of this protection? Credit reporting agencies keep track of your past payments and other financial data so that they can provide you with accurate and useful consumer reports. Collection agencies, however, do not have to tell creditors or any other party that they will be contacting you. So when you receive a phone call from a collection agency, it is up to you to stop the call and ask what the agency is doing trying to contact you. You have the right to call the number back and politely ask who they are.
The Fair Debt Collection Practices Act also protects you from being harassed by debt collectors. If a credit reporting agency allows a debt collector to contact you repeatedly without just cause, this constitutes harassment and violates the Act. If you are harassed by debt collectors in this way, you can take action by filing a complaint with the consumer bureau that regulates the debt collector and the debt collection agency.
How Far Can Hollis Cobb Associates Go When Collecting
It may be difficult for consumers to understand the difference between harassment and genuine attempts to help resolve a particular situation. Collection agencies, therefore, are required to inform their clients that they are not allowed to contact the client at their homes or work. They also need to let the consumer know that once they contact the consumer they are legally allowed to continue to contact them. In addition, the agency is required to notify the client of their right to dispute any information on the consumer credit report that they find to be inaccurate. Debt collectors are also prohibited from using intimidating tactics such as forcing the consumer to stop making payments on a credit card or threatening to have people report them to debt collectors if the consumer does not pay off an account in full. A good lawyer can help you learn more about your rights as a consumer and the resources available to you to protect yourself.
The Fair Credit Reporting Act was passed by Congress and was enacted to eliminate any confusion about what kind of collectors can contact you and if they can use intimidating or threatening tactics to get you to pay off an account. The law itself is pretty vague, but the federal government and each state have their own statutes of limitations on when a consumer is protected from harassing or threatening phone calls and letters. It is always a good idea to consult a lawyer experienced in these issues to make sure that your situation is covered under the laws of your state and that your rights are protected. The best way to learn more about your rights is to contact a lawyer who works in consumer debt collections to find out for yourself how the law protects you.