Does a debt collector have you so stressed out that you’re afraid to answer the phone? If so, they’ve already broken the law. Harassing, bullying, and in general mistreating indebted consumers is illegal, and can incur fines and other penalties from the Federal Trade Commission if you make a complaint.
Your Rights Under the FDCPA
Prior to 1977, debt collector misconduct was so outrageous that Congress felt compelled to do something about it. The result was the Fair Debt Collection Practices Act, or FDCPA.
It gave consumers the right to dispute a debt, tell a collection agency to stop calling, and even sue a company that subjected them to the following abuses.
- Using profane and obscene language
- Calling you several times per day using an autodialer
- Telling you that you can be imprisoned for not paying your debts
- Threatening action they are not in a position to legally take
- Refusing to validate the debt and prove that they are authorized to collect it
- Leaving vague messages that do not identify the caller as a debt collector
Company Profile: Alpha Recovery Corp.
If you are being called by Alpha Recovery Corp., agency background information is below.
Alpha Recovery Corp. is a debt collection agency located in Centennial, Colorado. It was established in 2010, has 98 employees, and is managed by its President, Chris Della Ratta. Records of consumer litigation action at the PACER website confirms that consumers who believed they were being harassed by Alpha Recovery Corp. stood up for themselves with help from a consumer lawyer.
Alleged Violations against Alpha Recovery Corp.*
According to PACER, in or around mid-2011, Alpha Recovery Corp. began contacting a Michigan consumer to collect a debt. The consumer was a senior citizen, so on September 16, 2011, debt counsel for Seniors and the Disabled faxed a cease communications notice to the company. Despite confirmation that the fax was received, the company allegedly continued to contact the consumer directly.
Feeling harassed by Alpha Recovery Corp., she hired a consumer lawyer and filed a lawsuit against the agency for allegedly communicating with her after receiving a cease and desist notice.
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Alpha Recovery Corp. are:
If you see them on your caller ID when your phone rings, it’s an advance warning that you are being contacted by Alpha Recovery Corp. If their collection attempts persist after you have submitted a cease communications notice, talk to a consumer lawyer about filing a claim against Alpha Recovery Corp.
Violating your rights in this manner could result in their being forced to pay you $1,000 per FDCPA violation, so if a debt collector doesn’t heed you the first time, a lawsuit will usually end the matter.
*Case taken from PACER (www.pacer.gov). File number is Case 1:11-cv-01186-PLM from the United States District Court for the Western District of Michigan, Southern Division.
*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 Alpha Recovery Corp. or any other third-party collection agency, you may not be entitled to any compensation.