In a recent 11th Circuit case, Osorio v. State Farm Bank, the court reinforced restrictions under the Telephone Consumer Protection Act that, among other things, prohibit collectors from using automated dialing systems (more commonly known as “robocalls”) to call consumers on their cellphones without the consumer’s express permission.

“The moral of that opinion is ‘no means no,’” says attorney Billy Howard, director of the consumer protection division of Morgan & Morgan.

The Telephone Consumer Protection Act has been federal law since 1991. It specifically aims to restrict telemarketing and the use of automated dialing systems to contact consumers without their express consent.

The reason this ruling is significant is that in the past, some courts have been divided on whether consumers who have given their cellphone number to a creditor or collector can revoke that permission, and if so, whether they can do so verbally.  In this case, the court opined that consumers who have given collectors permission to call their cellphones can revoke their consent verbally. “This is the only appellate opinion,” says Howard. “Although it’s not binding on someone in other parts of the country, it’s very persuasive,” he says.

“You can tell a debt collector, ‘Don’t call my cellphone. I will pay you when I can’,” Howard advises. That’s important, he says, because consumers should not feel pressured to pay those debts if they cannot make ends meet. “People should not pay their debts out of order. They should make their mortgage payments, buy food and medicine (and) take care of themselves and their families first.”

Consumers who are getting robocalls on their cellphones should keep accurate records of those calls, suggests Howard, and talk with a consumer law attorney.

Individuals dealing with collection accounts should also check their free credit reports to see whether those accounts appear on their credit. And because collection accounts can have a significant impact on credit scores, monitoring your credit scores (which you can get for free at Credit.com) is also a good step.

http://blog.credit.com/2014/06/judge-debt-collectors-could-be-fined-1500-every-time-they-call-85374/?utm_source=newsletter&utm_medium=email&utm_campaign=Blog_NoCRC_6_23_2014&utm_content=judge-debt-collectors-could-be-fined-1500-every-time-they-call-85374