Debt collection agencies have made a business of hounding people about outstanding debts. Although they can legally contact you to collect on a debt you owe, they cannot harass you with threats or misleading information.
When debt collection agencies such as TCM, Inc. contact you about a debt, speaking with a consumer protection attorney can help you end oppressive and illegal behavior. The debt collection attorneys at Mike Agruss Law can protect your consumer rights and help you take legal action against a collection agency acting against the state and federal law.
What is TCM, Inc.?
TCM, Inc. is a debt recovery solutions provider that collects on behalf of its clients. The company also offers legal processing and account forwarding services. TCM remits funds to its clients monthly and provides detailed reports regarding its actions from the previous month.
The company is based in Corinth, Mississippi, and has been in operation since 1978, operating on local and national levels.
Consumer Complaints Against TCM, Inc.
The Better Business Bureau does not accredit TCM. The company’s profile on the BBB website has an F-rating, with one customer providing a 1 out-of-5-star rating. There is one customer review and 11 consumer complaints on TCM’s BBB profile, all of which describe negative interactions with the debt collector.
Consumer complaints range from claims that TCM phone calls do not come from legitimate phone numbers to repeated harassing calls about debts involving other people with the same last name or paid-off debts.
Identifying Debt Collection Harassment
Debt collectors are known for relentlessly attempting to collect on a debt. They may call multiple times daily, show up at your door, or even threaten legal action. While contacting you is allowed, there are limits to what debt collectors can do. It’s important to know your rights so that you can identify when a debt collector is crossing the line.
The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair and abusive behavior from debt collectors. Under the FDCPA, debt collectors are prohibited from making false or misleading statements, using obscene or profane language, engaging in threats or abuse, or revealing confidential information about a debt to anyone other than the consumer.
The FDCPA also bars debt collection agencies from threatening consumers with arrest or claiming they are law enforcement or government agents. If a debt collector violates any of these provisions, they may be liable for damages.
Exercising Your Consumer Rights Against Collection Harassment
If TCM, Inc. contacts you about a debt, you have the right to verify that the debt is valid. Data entry errors can often cause debt collectors to contact you instead of the rightful debt holder. Send a verification request to the collection agency regarding the debt to ensure they have the right information.
If you discover an error, work with a consumer protection lawyer to correct the mistake to avoid damage to your credit. Under the FDCPA, if the debt collection agency cannot verify that the information is correct, your lawyer may have your debt deleted due to a technicality.
If you are the rightful debtor and TCM, Inc. engages in practices that violate your FDCPA guaranteed rights, refuse to engage in a dialog with the debt collector. Contact the Consumer Financial Protection Bureau to report illegal conduct and speak with a consumer rights protection lawyer at Mike Agruss Law. You can also send the company a cease and desist letter demanding they stop all communication with you.
Contact an attorney specializing in consumer protection law if you believe a debt collector has harassed you or violated your rights. An experienced attorney can help you understand your rights and options under the law and take steps to protect your interests.
Stop TCM, Inc. Harassment
Even if you owe a debt, collection agencies like TCM, Inc. must abide by the law when attempting to collect payment. If debt agencies overstep their boundaries and engage in continuous harassing phone calls, abusive language, and lying as a means of applying pressure, contact Mike Agruss Law as soon as possible.
We can ensure your FDCPA rights are respected and end the debt collector’s threatening or intimidating behavior. If a debt collection agency violates your rights, we can also help you pursue monetary restitution.
We have extensive experience protecting consumers from predatory practices of debt collection agencies like TCM, Inc. We can help you take steps to end harassment and get your peace of mind back.
Contact us today to schedule a free consultation to end harassment by debt collectors and hold them accountable.
