Are you being called by Action Recovery Online?* Here's what you need to know
At some point in your life, you’re going to get a call or letter claiming that you owe money to someone else. If it’s from a debt collector, you have the right to discuss or dispute the debt without being belittled, threatened, or lied to. Not all collection agencies respect this right, though, so be prepared to seek legal assistance if necessary.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers like you from abusive debt collectors. This law forbids actions like the following during attempts to collect a debt.
- Using profane and obscene language
- Failing or refusing to properly validate the debt
- Persisting in calling you even after you dispute the debt
- Failing or refusing to identify themselves as debt collectors in every communication
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Threatening legal actions that they have no intention of taking
Company Profile: Action Recovery Online
If you are being called by Action Recovery Online, information about the company is below.
Action Recovery Online, which also does business as AWM Financial Services, LLC, Inc., is a debt collection office located in Fort Wayne, Indiana. It was established in 2009, has approximately 10-19 employees, and is managed by its President, Terry Kieffer. Lawsuit details viewable at the PACER (Public Access to Court Electronic Records) website suggest that consumers who believed they were being harassed by Action Recovery Online stood firm and challenged the agency’s demands in court.
Alleged Violations against Action Recovery Online
David B. Dees, on behalf of himself and others similarly situated vs. AWM Financial Services, LLC d/b/a Action Recovery Online*
According to PACER, Action Recovery Online began calling Arizona resident David Dees to collect a debt on or about March 11, 2015. On this day in particular, the following message was left:
This call is for David Dees. This is Norm Keefer. This call is urgent. Phone number is (888) 502-5515, extension 253.
Another message, left on or about June 17, 2015, went as follows:
Ah, good afternoon. This message is for David Dees. My name is Amy. I need you to please return my call back at (888) 502-5515, extension 255. Thank you.
The same caller left a nearly identical message on June 22, 2015.
Feeling harassed by Action Recovery Online, Mr. Dees hired a consumer attorney and sued the firm for allegedly violating the FDCPA in the following ways:
- Failing to identify itself as a debt collector in all communications
- Using harassing and oppressive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later dismissed on a later date.
Hire an Attorney
The phone numbers for this debt collection company are:
If you’re interrupted by an incoming call and see any of these numbers appear on your caller ID, it means that you are being called by Action Recovery Online. If they leave you voicemails that do not clearly state their company name or identify themselves as debt collectors, hire a consumer attorney. If you file a claim against Action Recovery Online and win your case, you may be awarded $1,000 per FDCPA violation plus costs such as attorney and court fees. Deceiving consumers is illegal, and in instances like these, you have the right to fight back.
*Case taken from PACER (www.pacer.gov). File number is Case 2:15-cv-01440-JZB from the United States District Court for the District of Arizona.
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 Action Recovery Online, or any other third-party collection agency, you may not be entitled to any compensation.