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Debt collection agencies can be ruthless when chasing after consumers to collect a debt. With laws allowing these collectors to pursue debts for as many as 20 years, depending on the state, consumers can suffer prolonged bullying over missing a payment. 

Long-term harassing behavior can negatively affect your health and your finances. Learn what you can do to stop debt collectors from negatively impacting your life.

If debt collection agencies like Optimum Outcomes use illegal tactics to pressure you into repaying a debt, speaking with a consumer protection lawyer at Mike Agruss Law is your best option. Our attorneys will help put an end to the predatory practices of debt recovery agencies.

What Are the Effects of Debt Collection Harassment on Your Life?

Constant phone calls from debt collection agencies like Optimum Outcomes do more than take up your time. They can affect your financial health as these agencies may relay your collection account to credit bureaus, causing your credit score to suffer.Bullying can affect your life and pose health issues that only compound over time. Pressure from constant harassment can lead to depression, sleeping issues, muscle aches, gastrointestinal problems, and high blood pressure. Besides aggravating your health, badgering from Optimum Outcomes can cause your productivity to suffer at work or school.Depending on your stress tolerance, putting up with oppressive debt collection tactics can have serious consequences. Getting reliable legal advice is essential for achieving peace of mind.

What is Optimum Outcomes?

Optimal Outcomes is a company that specializes in medical debt collections. The company supports its work with information technology that optimizes its results for the healthcare institutions Optimum Outcomes represents.

Is Optimum Outcomes Accredited With the Better Business Bureau?

Optimum Outcomes is not accredited by the Better Business Bureau. Their BBB profile lists 3200 Spring Forest Rd, Raleigh, North Carolina, as the company’s headquarters. Those interested can reach Optimum Outcomes by phone number: (877) 795-9819.

Optimum Outcomes has a 1.08 out of 5-star rating from 12 customer reviews, and their BBB profile includes 45 consumer complaints. Consumer reviews and complaints point out that Optimum Outcomes tends to be unresponsive to requests, while other reviewers complain of practices that do not abide by the FDCPA.

Is Optimum Outcomes Harassing You?

Knowing if a debt collection agency’s actions constitute debt harassment requires understanding the federal law offering protection for United States citizens. The Fair Debt Collection Practices Act (FDCPA) is a law that protects consumers from a list of practices it prohibits.While debt collectors may communicate with consumers via phone or text message, they may not use badger debtors with excessive calls. If a collection agency is violating the FDCPA, you are eligible for damages of up to $1,000 for each violation plus the cost of the actual damages you incurred. A consumer attorney will hold debt collectors accountable and help you receive compensation.

Removing Optimum Outcomes From My Credit Report

Safeguarding your credit health is essential if you plan to take out a loan or apply for a job. Medical bills are often a product of emergencies in people’s lives. Having a collections account show up in your report can be a significant consumer financial setback. 

However, sometimes an item can remain on your file despite being paid off or even without belonging to you. The Fair Credit Reporting Act (FCRA) governs how credit bureaus handle your credit information and provides a legal framework for protecting the accuracy of your file. If an item finds its way onto your credit file that doesn’t belong there, you need to take action to remove it.

If a debt collection agency or credit reporting agency violates their obligations under the FCRA, consumers are eligible for monetary compensation of up to $1,000 and the cost of their legal services. 

What to Do if Optimum Outcomes Contacts You

If Optimal Outcomes contacts you, keep in mind that they are a debt collection agency and cannot threaten to garnish your wages. It is unlikely that the agency will sue you for an account that may not be yours. However, this doesn’t mean you should ignore the issue and hope it goes away. 

On the contrary, it can escalate with the debt collector summoning you to court or eventually withholding your wages by obtaining a court order. The best way to protect your consumer rights is to be proactive about the matter by seeking reliable legal counsel.

Mike Agruss Law Protects You From Debt Collection Harassment

Speaking with a knowledgeable attorney can help end harassing behavior by Optimum Outcomes. At Mike Agruss Law, we have extensive experience dealing with debt collection agencies on our clients’ behalf. 

Contact us for a free consultation where we will listen to your case and propose the proper remedy for your issue. There is no cost to you, and you can take comfort in knowing that we will hold Optimum Outcomes accountable for any illegal practices.

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We will respond to you at lightning speed. All of your information will be kept confidential.

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