The TCPA Stops Unwanted Phone Calls

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When filing for bankruptcy, it’s important for all residents of Northeastern Mississippi to be aware of certain vital information. Denvil Crowe may provide this necessary information. Some of this valuable knowledge involves knowing how certain federal laws protect Mississippi residents and all Americans from creditor harassment in the form of phone calls. Please schedule a consultation today at our conveniently located office in Tupelo to find out more. It may make a difference!

Do you know that federal law, the Telephone Consumer Protection Act (TCPA), provides consumers with assistance in stopping unwanted telephone calls, text messages, and faxes? Consumers may also stop robocalls, auto-dialed or prerecorded calls or text messages to wireless numbers, emergency numbers, and patient rooms at healthcare facilities. Note that the regulations differ between wireless and landline phones.

The TCPA prohibits calls or texts to cell phones without the prior express consent of the party called. Note that a call is exempt from the TCPA if it Is not made for a commercial purpose; is made on behalf of a tax-exempt nonprofit organization; or does not include an unsolicited advertisement, even if made for a commercial purpose.

The following communications are also exempt from the TCPA. Note that even if exempt, consumers may not be charged for the phone call or text message: 

  1. Financial institutions calls about the security of the subscriber’s account.;
  2. Health care providers' calls relating to appointments, test results, medication status, etc.;
  3. The Federal Government;
  4. Utilities regarding service issues, emergencies, outages, etc.; and
  5. Schools regarding weather closures, fire, health risks, threats, and unexcused absences and, with express consent, other school activities.

Individuals must provide express consent to receive certain types of calls and have the right to inform these companies to stop calling them. For each unwanted call that constitutes a violation, a consumer plaintiff may recover between $500 and $1,500 in damages.

Elvis is the "King of Rock and Roll" and Denvil Crowe is the king of Tupelo's most qualified bankruptcy attorneys. If you have any questions that you need immediately answered or if you just need someone to help you clearly and accurately review and consider your options. We can help you decide whether bankruptcy is your best option. Call 800-429-HELP (4357), email us at  or check us out online today!

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