Description

Firstly, when you hire U.S. Hardship Group you can expect harassing calls to yourself and friends or family members to stop. This is because we utilize a lawyer to send out your paperwork. Once you have an attorney representing your account the debt collector may not contact you or others again. If you do not have an attorney sending your documents, a collector may call you at home or work, as well as calling other people to get your current contact information. Secondly, U.S. Hardship Group is more effective than others who use only the Fair Debt Collection Practices Act (FDCPA) to make a collector prove the debt is valid. U.S. Hardship Group utilizes multiple laws to make the debt collector prove they are authorized to collect, that the debt originated in lawful compliance with all federal laws, state laws, and regulations including, but not limited to, the Truth in Lending Act (TILA), Credit Card Act of 2009, Fair Credit Reporting Act (FCRA), Foreign Corrupt Practices Act (FCPA), Privacy Act of 1974, and the FDCPA. Thirdly, our paperwork has power because the debt collector can be charged with monetary damages if they continue collection without providing all of the proofs required to verify the debt in full. The laws we use provide penalties and fines for non-compliance or failure to answer the Notice and Demand for Verification of Debt within thirty (30) days of the debt collector's receipt of paperwork related to your account. The FDCPA for example allows for a $1,000 damage paid to you should they violate the law by continuing to make payment demands without having verified the debt.