How to Stop Client Services, Inc Debt Collectors Using DoNotPay
Almost 33% of the total US population is indebted. The Fair Debt Collection Practices Act protects all indebted individuals as they should not be treated as criminals. However, not all debt collectors will always follow these regulations and practices. So, it is vital to learn how to for debt collection for such clients. There are several ways to stop client service of debt collecting. But, not all methods will be successful; you may find the procedures frustrating and demanding to stop the action on your own. However, you can still stop the with the help of DoNotPay. DoNotPay is a top-leading social mobile platform that helps you with technical issues and legal matters.
If you are seeking knowledge about stopping client debt collector services, this series is for you. By reading this series, you will find an easy, automated, perfect, and convenient way to stop the client services of debt collectors. So let's quickly get into today's topic!
What is the FDCPA?
The Federal Debt Collection Practices Act (FDCPA) was passed in 1977, protecting consumers from abusive and unfair debt collection practices. It was enacted to protect consumers against deceptive or harassing debt collection practices. This law applies to any business that collects debts for another person. It covers both consumer and commercial debt collectors. The Act punishes debt collectors who violate its provisions with fines.
FDCPA Regulations/ Violations
The Act stipulates that a debt collector may not:
- Threaten arrest or imprisonment
- Use obscene language
- Call at unreasonable hours
- Contact third parties without permission
- Take advantage of a debtor's financial situation
- Misrepresent facts
- Threaten violence
- Abuse a debtor's family members
- Fail to disclose information
- Ignore requests to cease communication
- Make false statements
- Disclose personal identifying information
- Harass a debtor
What is Client Services, Inc?
Client Services, Inc was founded in 1987 in the heart of America. Its services include Skip Tracing, Credit Reporting, Litigation Services, Medical Management Services, Early Out, and Asset and Income Investigations. You can reach them here:
|Company||Client Services, Inc. (CSI) (http://www.clientservices.com/about/)|
|Mailing Address||3451 Harry S. Truman Blvd.
St. Charles, MO 63301
|Email or Contact Form||www.clientservices.com/consumer-center/contact-us/|
Can Debt Collectors Stop Client Debt Collection Services?
Yes! If you are a consumer and your debtor is an individual or business entity you have the right to request that your creditor discontinue contacting you. You must make this request within 30 days after receiving notice of the initial communication. You can do so by sending a written statement to the address provided by the creditor on the original notice. You may also ask the creditor to send you a copy of the original notice if you did not receive one. You must then wait 30 days before making further contact with the creditor.
Your Rights When Dealing With The Client Services Debt Collector
The debt collector owes you the right to:
- Know what they are doing
- Be free from harassment
- Be given a clear explanation of why they are trying to collect the debt
- Dispute the validity of the debt
- Sue for damages
- To file a complaint with the FTC
- Seek legal counsel
How To Respond To Debt Collector Client Services
Upon receiving a notice letter from the debt collector, it is vital to find out the following information:
- Name of the creditor
- Address of the creditor
- Amount owed
- Date the account was opened
- Type of account
- Account number
- Any other details on the account
Once you have gathered all these details, write them down. Then call the client services debt collector and tell them that you want to stop communicating with them. Tell them that you will no longer accept mail, phone calls, or faxes from them.
If you do not respond to their first attempt, they will most likely try again. So, when they do, let them know that you have already told them to stop calling you.
How to Remove Collections Off of Your Credit Report
The client debt collector can affect your credit report in two ways:
- They can place collections on your credit report, which will appear as a negative mark against your name. This will lower your score and could prevent you from getting a loan.
- They can charge off your account, which means that they believe you cannot repay your debts. This will show up as an unpaid balance on your credit report.
To remove collections from your credit report:
- Call the three major credit reporting agencies (Equifax, Experian, TransUnion).
- Explain that you would like to have any collection removed from your credit report.
- Ask them to check your credit history.
- Once they have checked your credit report, they should remove any items that indicate a collection.
- After removing the item, give them your credit card number and expiration date.
- Wait 60 days and see if any new accounts appear on your credit reports. If there are, call the credit reporting agency and explain that you would like to add any new accounts back onto your credit reports.
DoNotPay can also help you get a clean credit report quickly and conveniently.
How To Respond To A Debt Collection Lawsuit
A lawsuit is filed when a creditor sues you for money. You need to prove that the debt collector's actions harmed you to win a case. You must show that the debt collector violated federal law. This means that you must show that the collection agency lied in its attempts to collect the debt.
In addition, you must show that you suffered harm due to the violation. Liability includes emotional distress, mental anguish, physical injury, property damage, medical bills, lost wages, and more.
How To Stop Client Debt Collection Services On Your Own
The following steps should help you stop client debt collection services by yourself:
- Call the client service debt collector at least three times. Let them know that you want to stop contacting them. If they refuse to stop calling you, tell them that you will take legal action against them.
- Send a certified letter to the client service debt collector informing them that you wish to stop communications. Ensure that you include copies of any notices you received from the debt collectors.
- File a complaint with the Federal Trade Commission (FTC).
- Contact your local consumer protection office. They can provide you with additional resources.
- Contact an attorney who specializes in helping people fight back against debt collectors.
- Consider filing a class-action suit against the debt collector.
However, this method can be pretty challenging as well. Challenges you may face may include;
- The debt collector may claim that you owe the debt even though you don't.
- You may be required to pay court fees before filing a lawsuit.
- There are many different types of lawsuits. Some may cost less than others.
- It may be challenging to find a lawyer willing to represent you.
Stop Client Debt Collection Services With The Help Of DoNotPay
Despite the challenges involved in stopping client debt collection on your own, you can still stop the client debt collection services in an easy, perfect, and successful way. DoNotPay provides you with the ultimate solution to this problem. Whether you have been harassed recently for months. DoNotPay effectively determines whether the debt collector is adhering to the FDCA requirements. Don't get stuck anymore.
Here's how it works:
- Search “debt collection” on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.
And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.
Why Use DoNotPay To Stop Client Debt Collection Services?
Using DoNotPay to stop client debt collection services and any other problem comes with many benefits. Every DoNotPay product comes with the fact that it is:
- Easy: You don't need to follow lengthy procedures and fill in tedious forms to solve your problem.
- Fast: You don't need to spend a lot of time solving your problem.
- Successful: DoNotPay always makes the best case for you.
DoNotPay Works Across All Companies/Entities/Groups With the Click of a Button
In addition to helping you stop debt collector client services, DoNotPay can also help you with learning about other issues that may include:
- How to negotiate with debt collectors
- Whether debt collectors should take your stimulus checks
- What is the statute of limitation of debt collection by state
- Writing a dispute letter to the debt collector
- How long do debt collectors can take to collect
- How often do debt collectors take you to court
- How to deal with debt collectors
- ERC Debt collection
- Medical debt collection
DoNotPay does not only help you with debt collection issues. It works at all companies, groups, and entities with the click of a button. For example;
- DoNotPay can assist with debt collection from NCO in the same manner as Midland Credit, RMP, or Caci can.
- It can also assist you in learning about debt collection regulations in Kentucky, just as it can in California.
What Else Can DoNotPay Do?
Helping you stop a client debt collection service is among the many things that DoNotPay enables you and other users. Other things you can learn about using DoNotPay may include:
- How to cancel
- Financial aid appeal letters
- Help with bills
- Increase credit limit
- Missing money
- Clean credit report