A FEDERAL SHIELD
At the time many of the statutes designed to protect debtors were enacted, the idea of an iPhone was locked up 20 years away in the imaginative genius of Steve Jobs. These laws simply do not account for the new realities of the iPhone age. Fortunately, federal statute regulates the placement of cell phone calls and makes it illegal to place a cell phone call using automated dialing equipment unless the caller has permission or it is an emergency. Violators are subject to statutory damages in the amount of $500.00 per phone call and up to $1,500.00 per phone call for knowing and intentional violations.
When faced with the prospect of having to make a difficult economic decision, owners of smart phones should not fear a collection attack on that device. By utilizing federal law a creditor’s cell phone collection calls can be stopped or if non-compliance continues it can potentially lead to large statutory awards. It is critical to properly invoke these federal protections when dealing with any difficult debt issues in the iPhone age.
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