Navigating the Calls: Understanding Your Rights and Debt Collection Practices

Dealing with debt collectors can be stressful, especially when their tactics cross the line into harassment. One company that has faced numerous complaints for aggressive collection practices is Sequium Asset Solutions. If you’ve been receiving relentless calls, you may be experiencing Sequium Asset Solutions phone harassment.

In this comprehensive guide, we’ll explore what Sequium Asset Solutions phone harassment looks like, your rights under federal and state laws, and the steps you can take to stop these unwanted calls. By the end, you’ll have a clear understanding of how to protect yourself from Sequium Asset Solutions phone harassment and hold the company accountable if they violate the law.

What Is Sequium Asset Solutions?

Sequium Asset Solutions is a debt collection agency based in Charlotte, North Carolina. The company specializes in purchasing and collecting delinquent debts, often working on behalf of creditors or buying debts outright. While debt collection is a legal practice, some agencies, including Sequium Asset Solutions, have been accused of using aggressive and harassing tactics to pressure consumers into paying.

If you’ve been receiving excessive calls, threats, or misleading information from Sequium Asset Solutions, you may be a victim of Sequium Asset Solutions phone harassment.

What Constitutes Sequium Asset Solutions Phone Harassment?

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from engaging in abusive, deceptive, or unfair practices. Sequium Asset Solutions phone harassment may include:

1. Excessive Phone Calls – Calling multiple times a day or outside of reasonable hours (before 8 a.m. or after 9 p.m.).

2. Threats or Intimidation – Using threatening language, such as threats of arrest, wage garnishment, or legal action they cannot take.

3. Misrepresentation – Falsely claiming to be attorneys, law enforcement, or government officials.

4. Ignoring a Cease and Desist Request – Continuing to call after you’ve formally requested them to stop.

5. Calling Third Parties – Disclosing your debt to friends, family, or coworkers without your permission.

If Sequium Asset Solutions engages in any of these behaviors, they may be violating federal law, and you have the right to take action against Sequium Asset Solutions phone harassment.

Your Rights Under the FDCPA

The FDCPA protects consumers from abusive debt collection practices. Here’s how it applies to Sequium Asset Solutions phone harassment:

• Right to Request Validation – You can demand written verification of the debt within 30 days of first contact.

• Right to Dispute the Debt – If you believe the debt isn’t yours or the amount is incorrect, you can dispute it.

• Right to Cease Communication – Sending a written cease and desist letter forces Sequium Asset Solutions to stop contacting you (except to confirm they’re stopping collection efforts or notify you of legal action).

• Right to Sue for Violations – If Sequium Asset Solutions violates the FDCPA, you can sue them for up to $1,000 per violation plus attorney fees.

How to Stop Sequium Asset Solutions Phone Harassment

If you’re experiencing Sequium Asset Solutions phone harassment, follow these steps:

1. Keep Detailed Records

Document every call, including:

• Date and time

• Caller’s name and number

• Summary of the conversation

• Any abusive or threatening language

This evidence will be crucial if you file a complaint or lawsuit.

2. Send a Debt Validation Letter

Within 30 days of first contact, request written validation of the debt. If Sequium Asset Solutions cannot prove you owe the debt, they must stop collection efforts.

3. Submit a Cease and Desist Letter

If the calls persist, send a cease and desist letter via certified mail. Once received, Sequium Asset Solutions can only contact you to confirm they’re stopping calls or to notify you of legal action.

4. Report Them to Regulatory Agencies

File complaints with:

• Consumer Financial Protection Bureau (CFPB) 

• Federal Trade Commission (FTC) 

• Your State Attorney General’s Office

5. Consult a Consumer Rights Attorney

If Sequium Asset Solutions phone harassment continues, an attorney can help you file a lawsuit for FDCPA violations. Many lawyers offer free consultations and work on contingency (you pay nothing unless you win).

Frequently Asked Questions About Sequium Asset Solutions Phone Harassment

1. Can Sequium Asset Solutions Call My Employer?

No. The FDCPA prohibits debt collectors from calling your workplace if you’ve asked them not to or if your employer doesn’t allow such calls.

2. Can I Block Sequium Asset Solutions’ Calls?

Yes, but blocking calls doesn’t eliminate the debt. It’s better to formally request they stop calling via a cease and desist letter.

3. Can Sequium Asset Solutions Sue Me?

Yes, but they must follow legal procedures. If they threaten a lawsuit without intent to file, it may be an FDCPA violation.

4. What If the Debt Isn’t Mine?

Dispute it in writing and demand validation. If Sequium Asset Solutions cannot prove the debt is yours, they must stop collection efforts.

Conclusion: Take Action Against Sequium Asset Solutions Phone Harassment

No one should endure relentless, intimidating calls from debt collectors. If you’re facing Sequium Asset Solutions phone harassment, know that you have rights. By documenting calls, sending cease and desist letters, and reporting violations, you can stop the harassment and hold Sequium Asset Solutions accountable.

Don’t let Sequium Asset Solutions phone harassment go unchecked—take action today to protect your peace of mind and financial well-being.