Are you being called by Cardinal Recovery Group, LLC?* Here's what you need to know.
Being in debt is stressful and upsetting, especially once third-party collection agencies start calling and sending letters demanding money. Although collecting a debt is perfectly legal, you have certain rights and protections that make it illegal for them to threaten or otherwise harass you, so if it happens, be prepared to stand up for yourself.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits third-party debt collectors from employing deceptive and abusive means like those below to collect a consumer debt.
- Swearing, yelling, and calling you names
- Telling your friends, neighbors, and co-workers that you owe money
- Refusing to prove that a debt is valid and they are authorized to collect it
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Telling you that you have committed a crime and will be arrested if you don’t pay
- Threatening legal actions that they have no intention of taking
Company Profile: Cardinal Recovery Group, LLC
If you are being called by Cardinal Recovery Group, LLC, information about the company is below.
Cardinal Recovery Group, LLC is a debt collection agency located in Elgin, Illinois. It was established in 2005, has less than 10 employees, and is managed by its President, Ashur Youash. A close review of lawsuit records kept at the PACER (Public Access to Court Electronic Records) website suggests that consumers who felt they were being harassed by Cardinal Recovery Group, LLC dealt with the payment demands in court.
Alleged Violations against Cardinal Recovery Group, LLC
According to PACER, in or around late 2011 Cardinal Recovery Group, LLC allegedly began calling a New York resident up to twice a day and leaving numerous voice messages asking her to call back regarding an “important issue.”
Ms. Young later claimed that when she called the number provided, Cardinal Recovery Group, LLC refused to identify themselves or the company and demanded that she send a weekly post-dated check to them. When she refused, a collector allegedly stated, “We are going to get the money one way or another. We know where you work, we know where you bank. And we know that you make car payments.”
Feeling harassed by Cardinal Recovery Group, LLC, Ms. Young hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to identify itself as a debt collector in all communications
- Failing to send a debt validation notice
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-847-289-8590.
If it appears on your caller ID, it means that you are being called by Cardinal Recovery Group, LLC. If they appear to be demanding amounts not supported by law or the original creditor agreement, hire a consumer attorney who can help you protect your rights in court by filing a claim against Cardinal Recovery Group, LLC. Bullying consumers is illegal under the FDCPA, and if you prevail in court, you may win $1,000 per FDCPA violation, plus any court costs and legal expenses. When debt collectors disregard your rights, the law puts compensation within your grasp.
*Case taken from PACER (www.pacer.gov). File number is Case 1:11-cv-00875-TJM-RFT from the United States District Court for the Northern 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 Cardinal Recovery Group, LLC, or any other third-party collection agency, you may not be entitled to any compensation.