Debt collectors don’t always take notice of state and federal consumer protection laws. This is why you need to be informed about your rights when you owe a debt and a collection agency makes your life miserable trying to collect it.
Your Rights Under the FDCPA
Debt collectors are required to abide by the rules imposed on them by the Fair Debt Collection Practices Act, or FDCPA. Those guidelines are intended to protect consumers from being harassed into bankruptcy and specify penalties for collection agencies who use harassing tactics like the following:
- Misrepresenting the character, amount or legal status of a debt
- Threatening to or actually communicating false credit information
- Disclosing information about your debts to third parties like your parents and your boss
- Leaving vague voice messages that do not identify them as debt collectors
- Threatening to take any action that cannot be taken legally
- Using profane and abusive language
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Company Profile: Eastpoint Recovery Group, Inc.
If you are being called by Eastpoint Recovery Group, Inc., additional facts about the company are below.
Eastpoint Recovery Group, Inc. is a collection agency located in Buffalo, New York. It was established in 2011, has 37 employees, and is managed by its President, Danielle Green.
The company presently has a C+ rating with the Better Business Bureau for failure to respond to complaints. In September 2013, the State of Nevada’s Financial Institutions Division denied its application for a debt collection license, stating that it had previously operated as a debt collection agency in Nevada without a license.
According to records archived at the PACER website, consumers who thought they were being harassed by Eastpoint Recovery Group, Inc. hired lawyers to help them fight back.
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Alleged Violations against Eastpoint Recovery Group, Inc.
According to PACER, on or around November 2017, Eastpoint Recovery Group, Inc. began trying to collect a debt from a New York couple. These consumers alleged that the company left voice messages that did not identify the caller as a debt collector and threatened to sue them.
They also complained that they never received a debt validation letter.
Feeling harassed by Eastpoint Recovery Group, Inc., the consumers acted on their rights by suing the company for the following alleged FDCPA violations:
- Using harassing and abusive means to collect a debt
- Failing to identify itself as a debt collector in all communications
- Using false, deceptive, and misleading means to collect a debt
- Misrepresenting the character, amount or legal status of a debt
- Threatening to take action that could not legally be taken
- Failing to send a debt validation letter
The matter was later settled.
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Hire a Consumer Lawyer
The phone numbers for Eastpoint Recovery Group, Inc. are:
If you see any of them on your caller ID when a call comes in, it means that Eastpoint Recovery Group, Inc. is on the line. If they threaten you with lawsuits to intimidate you and leave vague and deceptive voice messages, hire a consumer lawyer and act on your right to file a claim against Eastpoint Recovery Group, Inc.
You may be awarded $1,000 in statutory damages plus your attorney fees, so don’t be afraid to stand up for yourself when a collection agency crosses the line.
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Additional Resources
Case taken from PACER (pacer.gov). File number is Case 1:18-cv-00800-LJV from the United States District Court for the Western District of New York.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Eastpoint Recovery Group, Inc. or any other third-party collection agency, you may not be entitled to any compensation.