Are You Being Called By 11th Hour Recovery*? Here's What You Need to Know
If you lose your job and become too disabled to work full-time, keeping up with your monthly debt payments may become impossible. If this happens to you, your creditors will probably turn the accounts over to debt collectors after you miss a certain number of payments. If the collection agency assigned to your account is intrusive and deliberately trying to stress you into paying, learn more about your rights in these situations.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was enacted after complaints about third-party debt collectors reached unprecedented levels. It grants you certain rights, such as the ability to dispute a debt and tell a collection agency to stop calling you, and penalizes collection agencies that use strategies like those below.
- Calling you at all hours of the day and night
- Yelling at you over the phone
- Demanding amounts that are not supported by law or the original creditor agreement
- Inflating the debt with unreasonable collection fees and service charges
- Threatening consequences they cannot legally inflict or have no intention of carrying out
- Calling your friends and family to tell them that you owe a debt
Company Profile: 11th Hour Recovery
If you are being called by 11th Hour Recovery, here is an overview of the company history.
11th Hour Recovery is a debt collection agency located in Ham Lake, Minnesota. It was established in 2012, has fewer than five employees, and is managed by owner Alex Peterson. The company has a C+ rating with the Better Business Bureau. The PACER website contains data confirming that consumers who believed they were being harassed by 11th Hour Recovery aggressively fought back.
Hire a Consumer Lawyer
The phone number for 11th Hour Recovery is 1-612-615-8697. If you see it on your caller ID, 11th Hour Recovery is attempting to reach you. If they make threats and use obscene language during their collection attempts, contact a consumer attorney and file a claim against 11th Hour Recovery for abusing your rights under the FDCPA. You could be awarded $1,000 per violation plus court costs and attorney fees, so when a collection agency tries to threaten you, filing an FDCPA lawsuit can penalize them for it.
*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 11th Hour Recovery or any other third-party collection agency, you may not be entitled to any compensation.