The state of today’s economy has caused many people to find themselves in financial difficulty and unable to pay their debts. Some debt collectors lack the understanding to deal with debtors in a financial crisis.
Instead, they will harass you with threatening phone calls and letters, causing you more stress during an already difficult time.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits third-party debt collectors from bullying you into paying a debt you can’t afford. Actions like those below are violations of the FDCPA and can lead to major consequences for a debt collector that uses them.
- Calling you at work when they know that your boss doesn’t allow such calls
- Calling your friends and family to embarrass you
- Sending demand letters with incomplete or inaccurate information
- Using aggressive language and making threats
- Claiming that you can lose your home or go to jail for not paying a debt
- Using an autodialer to harass you
Company Profile: Account Recovery Specialists, Inc.
If you are being called by Account Recovery Specialists, Inc., here is a general company overview.
Account Recovery Specialists, Inc., which also does business as Medical Billing Resources, Inc., is a debt collection agency located in Dodge City, Kansas, with a branch office in Wichita. It was founded in 1992, has 77 employees, and is managed by its President, Kecia Kesler.
It has an F rating with the Better Business Bureau. Legal records at the PACER website confirm that consumers who believed they were being harassed by Account Recovery Specialists, Inc. refused to be intimidated.
Alleged Violations against Account Recovery Specialists, Inc.
According to PACER, in or around June 2007, Account Recovery Specialists, Inc. began contacting a Texas consumer to collect a medical debt. He alleged that they threatened to garnish his wages and did not always identify themselves as debt collectors.
Feeling harassed by Account Recovery Specialists, Inc., the consumer hired an attorney and sued the agency for allegedly:
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Account Recovery Specialists, Inc. are:
If they appear on your caller ID, at any time, it means that you are being called by Account Recovery Specialists, Inc. If they threaten legal actions they have no intention of taking purely to harass you and fail to identify themselves correctly in each communication, hire a consumer lawyer and file a claim against Account Recovery Specialists, Inc.
If the court decides in your favor, you could receive statutory damages of $1,000 per FDCPA violation, so when a collection agency tries to intimidate you, a lawsuit can change everything.
Case taken from PACER (pacer.gov). File number is Case 2:07-cv-02335-CM-JPO from the United States District Court for the District of Kansas.
*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 Account Recovery Specialists, Inc., or any other third-party collection agency, you may not be entitled to any compensation.