Encore Capital Group is a large debt collection agency that collects debts in the U.S. and 13 other countries around the world. This agency has had a number of allegations brought against it for harassing consumers while attempting to collect debt. If you have Encore Capital Group debt phone callreceived a call from this number, 888-876-2814, it was potentially Encore Capital Group trying to collect debt.

As a consumer, you should know that your rights are protected when it comes to dealing with debt collectors. The Fair Debt Collection Practices Act, or FDCPA, says that debt collectors must adhere to a certain set of rules when calling to collect debt. At a minimum debt collectors cannot:

  • Engage you in conversation without first telling you they are calling to collect debt.
  • Discuss your debt with anyone other than you or your spouse.
  • Lie to you or threaten to sue you without any valid legal claim.
  • Add fees to your debt other than those allowed by law.
  • Use autodialer machines to call you after you have told them not to.

Sometimes a car accident can leave you with massive car repair and medical bills that you have no way of paying off. A divorce can double your expenses and make it impossible for you to pay even your most basic bills. Whatever the cause of your debt, this Encore Capital Group gavel on booksis a stressful time for you and harassing debt collectors only make matters worse. You should not be ashamed just because you are not currently in a position to start paying off your debt. There are many other Americans out there who are in the same boat as you.

If a debt collector has harassed you, you might be owed up to $1,000 in statutory damages. There is also a good chance that the collection agency responsible will be forced to pay your attorney’s fees. If you are ready to stop the harassment you should set up a free consultation with an attorney today.

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