HAS DIVERSIFIED CONSULTANTS HARASSED YOU ABOUT YOUR DEBT?

Creditor Harassment FDCPA PapersDiversified Consultants Inc. is a company that specializes in accounts receivable management functions that is alleged to have harassed consumers in the past. If you have been called by any of the numbers listed at the bottom of the page, you may want to consider learning more about your legal rights and taking legal action.

Many people do not realize that there are certain rules laid out by the Fair Debt Collection Practices Act (FDCPA) that prevent debt collectors from harassing consumers. If you win a case against a collection agency that has broken these rules, the agency could have to pay you up to $1,000 in statutory damages as well as your attorney’s fees. If you think you may have been harassed by a debt collector you should review the following list of rules laid out in the FDCPA. The following list is not comprehensive, but includes some major examples of what debt collectors cannot do when attempting to collect your debt.

Your Rights Under the FDCPA

  • Contacting anyone besides you or your spouse about your debt.
  • Contacting you after you have given them the contact information of your attorney.
  • Yelling at you or using profane language.
  • Implying that you will go to jail if you do not pay your debt.
  • Adding fees to your debt other than those allowed by law.

Is A Debt Collector Violating Your FDCPA Rights?

You should know that if you are currently unable to pay off your debt, you are not alone. There are many other Americans who have experienced Payment Overduesome sort of emergency or big life event that has driven them into debt. Whether you have gathered debt due to loss of a job, a divorce, or an unforeseen medical emergency, going into debt is not an enjoyable experience for anyone. Your financial struggles do not give any company the right to harass you during this difficult time in your life. If you think that your rights under the FDCPA have been violated you should contact an attorney about a free consultation.

Potential Diversified Consultants Phone Numbers

Based on our internet research, we believe Diversified may use these numbers:

(724) 836-7156, (651) 829-8132, (703) 398-1113, (713) 491-6036, (720) 216-2821, (800) 604-0064, (832) 548-4275, (877) 299-1999, (916) 668-4870, (954) 417-7367, (201) 942-4080, (201) 942-4418, (253) 777-1884, (314) 925-0797, (334) 513-2042, (401) 519-9130, (502) 410-2055, (630) 701-9680, (877) 770-1039, (800) 604-0064, (804) 433-3986, (866) 486-0885, (866) 427-5359, (904) 247-5500, (541) 955-7800, (720) 266-4344, (630) 701-9680, (713) 491-6176, (877) 247-2144, (949) 407-6010, (509) 228-7129, (541) 956-8822, (713) 491-6036, (407) 982-4545, (980) 613-4468, (480) 719-3911, (949) 407-6016, (704) 323-8648, (877) 241-4559, (385) 212-2121, (713) 588-0980, (405) 563-7206, (562) 285-6495, (706) 250-4706, (857) 264-3048, (800) 604-6908, (570) 496-2000, (800) 771-5361, (513) 573-8739, (201) 499-7970, (201) 942-4130, (210) 446-3166, (260) 440-3480, (318) 300-3009, (360) 524-9712, (480) 719-3911, (208) 629-4408, (253) 777-4830, (316) 633-7808, (336) 543-2100, (412) 802-9263, (503) 278-5045, (636) 925-1746, (657) 212-2490, (706) 250-4706, (713) 588-0947, (724) 836-7096, (813) 644-8769, (866) 427-5359, (877) 770-1039, (949) 407-6010, (570) 496-2000, (651) 829-8106, (678) 608-4323, (712) 560-4515, (713) 588-0980, (724) 836-7156, (817) 349-7952, (877) 247-2144, (904) 247-5500, (949) 407-6016, (201)-942-4061, (201) 942-4414, (253)777-1873, (312) 470-6177, (318) 300-3028, (385) 212-2137, (502) 403-2216, (630) 701-3741, (651) 829-8145, (704) 837-1877, (713) 574-9056, (720) 259-5341, (800) 771-5361, (857) 264-3055, (877) 304-0465, (919) 247-5500, (954)889-7760, (201) 942-412.

Understanding your FDCPA Rights

The Fair Debt Collection Practices Act (FDCPA) is a federal law that has been passed providing limits on what debt collectors can and cannot do while collecting certain types of debts. In addition to the federal law, there are also state laws that add other restrictions. The main idea of the FDCPA is to prevent collection agencies from using deceptive, abusive, and/or unfair methods to collect.

There are both restrictions on certain types of debts and methods of communication deemed reasonable from a collection company in order to prevent abusive practices from Diversified Consultants and similar agencies.

The FDCPA covers the collection of

  • MortgagesDebt Money
  • Credit Cards
  • Medical Debt
  • Other Debt
    • Personal Debt
    • Family Debt
    • Household Debt

By maintaining a strict federal law on these different types of common debts the government aims to create a safe, hassle-free debt collection environment.

Communication Restrictions

The communication restrictions go further in the attempt to negate fair play. Debt collectors may not contact you at an unusual time, place or anytime they know it is an inconvenience. No calls are permitted before 8 a.m. and after 9 p.m. Diversified Consultants also may not harass you, or any other debtor over the phone or by any other form of contact. Lastly, if a debt collector is aware that you have obtained legal representation they may no longer contact you. In this situation, a collection firm is required to speak only to your attorney.

How To Deal With Debt Collectors 

When dealing with debt collector harassment it is a good idea to document any interaction you have with Diversified Consultants.  

Documentation To Keep

  • Keep a file of all letters and documents.
  • Write down dates and times of conversations.
  • Write down notes about what was discussed.
  • Record conversations if you have that capability.

If Diversified Consultants is is bothering you and you are considering taking them to court it will be important to have this documentation with you.

Getting A Collector To Stop Calling You

Many people know that collection agencies sometimes violate the rules and are overly aggressive on phone calls.  Once you hear from a collection agency the first time there are a number of steps you can take to get them to stop calling.  

Steps To Follow

  • Wait for the agency to send you a notice – this notice must tell you how much you owe.
  • Send a certified letter telling the agency to stop contacting you.
  • Write down the date and time of inappropriate calls to give to your lawyer.
  • Notify the collection agency that you have a lawyer.
  • File a complaint with the FTC.