If debt collectors are harassing you by making incessant phone calls, threatening to take you to court, and contacting your friends and family, you may have an unfair debt collection practices claim.
Both federal and state law prohibit collection agencies from using certain practices to collect a debt and if they cross the line, you can sue.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that governs the interactions of third-party collection agencies with indebted consumers. Actions like those listed below are illegal and can incur serious sanctions from the Federal Trade Commission.
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing the debt with your family, friends, and co-workers
- Calling you several times per day using an autodialer
- Using profane or obscene language
- Threatening you with consequences or actions they can’t legally take or have no intention of taking
- Contacting you even after you send a cease communications request
Company Profile: Arcadia Recovery Bureau, LLC
If you are being called by Arcadia Recovery Bureau, LLC, information about the company is below.
Arcadia Recovery Bureau, LLC is a debt collection law office located in Reading, Pennsylvania. It was established in 1973, has less than 10 employees, and is managed by its President, George Anthony Skestos, Jr..
It has an F rating with the Better Business Bureau. According to litigation records archived at the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Arcadia Recovery Bureau, LLC hired consumer lawyers and filed lawsuits to deal with the matter.
Alleged Violations against Arcadia Recovery Bureau, LLC
According to PACER, in or around April 2017 Arcadia Recovery Bureau, LLC allegedly started trying to collect a debt from a New York consumer. The consumer received a letter that stated, in part:
The important rights included below apply to each account individually and you have the right to dispute any or all of the accounts included in this notice.
When he called the agency to dispute the debt, the representative allegedly snapped, “You have no valid dispute.” When he sought to confirm whether he could dispute the debt over the phone, the other party allegedly stated, “No, there is no dispute on this amount...that is not a dispute.”
Feeling harassed by Arcadia Recovery Bureau, LLC, the consumer hired a consumer lawyer and sued the firm for allegedly violating the FDCPA by using false, deceptive, and misleading means to collect a debt.
The matter was later settled.
Hire a Lawyer
The phone numbers for this collection agency are:
If you see any of them on your caller ID when the phone rings, it means that you are being called by Arcadia Recovery Bureau, LLC. If they attempt to invalidate your dispute rights, hire a consumer lawyer immediately.
If you decide file a claim against Arcadia Recovery Bureau, LLC, you may potentially win $1,000 per FDCPA violation. Working with a lawyer can ensure that you protect your rights from unethical and harassing actions.
Case taken from PACER (pacer.gov). File number is Case 1:17-cv-05347-RJD-JO from the United States District Court for the Eastern District of New York.
*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 Arcadia Recovery Bureau, LLC, or any other third-party collection agency, you may not be entitled to any compensation.