Robo calls on your cellphone could mean money in your pocket thanks to a recent court ruling

Fight back against robo callers

For more than 20 years it's been illegal for debt collectors, banks and other companies to robo dial consumers on their cellphones without consent. But until now those receiving the calls have had a difficult time prevailing in court.

Timothy Ivey lost his health in 2009 and with it the ability to make payments on his car. He said he made payments for four years before explaining to the bill collector that he did not have the money and asked that the calls stop.

Consumer attorney Billy Howard with Morgan & Morgan said Ivey’s phone records document hundreds of calls from the same debt collector over two years.

Federal law says if a debt collector keeps calling after a consumer requests an end to phone calls, each ring of the cellphone after that is worth $500 to $1,500.

In his lawsuit, Ivey claims the debt collector called him three or four times a day for years.

Howard said Ivey could walk away with six figures if they prevail in court. The same recent appellate court ruling has also opened the legal door for consumers whose cellphones are repeatedly robo dialed in error.

The bottom line: If someone calls your cellphone without your permission, then it is a violation of federal law. This lawyer advises consumers to demand the robo caller stop calling your cellphone. Then start a log. You can notify the Federal Trade Commission and or hire an attorney.

These robo calls apply to debt collectors, student loan and credit card companies and any other consumer debts. You'll find more information on the FTC's website, Read more on the robo call law and your rights: