If debt collectors have you so upset that you have trouble eating, sleeping, or even answering your phone, something is wrong. While collecting a debt is legal, harassing you into making payments is not. Read on to learn more about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates third-party debt collectors. If a collection agency uses approaches like those below, they can face significant penalties.
- Calling you constantly every day
- Pretending to be police officers
- Demanding amounts not supported by law
- Disguising the fact that they are debt collectors
- Using profane and obscene language
- Demanding amounts that are inflated by ‘service charges’
Company Profile: American National Recovery Group
If you are being called by American National Recovery Group, learn more about the company below.
American National Recovery Group is a debt collection agency located in Matamoras, Pennsylvania, with an additional location in Nyack, New York. It opened for business in 2002, has 25 employees, and is managed by owner George Candella. The Better Business Bureau lists it as a governmental and tax collection agency, but information on the PACER website suggests that consumers who felt that they were being harassed by American National Recovery Group were not afraid to fight back.
Alleged Violations against American National Recovery Group*
According to information on the PACER website, on or around October 5, 2017, American National Recovery Group sent a collection letter to a Connecticut couple regarding a tax debt for a 2003 Chevy Avalanche that they had not owned or registered since 2008. They claimed that the letter did not make their dispute rights clear and demanded payment within 20 days.
Feeling harassed by American National Recovery Group, the consumers sued the company for:
- Failing to clarify their right to dispute the debt
- Trying to deceive them into paying the debt
- Threatening action that cannot legally be taken
The case was later dismissed.
Hire a Consumer Lawyer
The phone number for American National Recovery Group is 1-845-512-8444. If you notice it on your caller ID when your phone rings, be aware that American National Recovery Group may be trying to collect a tax debt from you. If they demand payment within a time frame that is legally covered by the dispute period, hire a consumer lawyer and file a claim against American National Recovery Group. You may potentially be awarded $1,000 per FDCPA violation as compensation so don’t hesitate to fight back.
*Case taken from PACER (pacer.gov). File number is Case 3:18-cv-01658-JBA from the United States District Court for the District of Connecticut.
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 American National Recovery Group or any other third-party collection agency, you may not be entitled to any compensation.