When people get into debt, it’s not always due to financial irresponsibility. They lose their jobs, become seriously ill, or experience a personal crisis like divorce or emergency house repairs.
Unfortunately, the collection agencies assigned to collect their debts often bully them for payment, ignoring the fact that these debtors have rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from harassment by third-party debt collectors. In effect since 1977, the FDCPA makes it illegal for these collection agencies to use methods like those below to collect money.
- Swearing, yelling, and calling you names
- Refusing to prove that a debt is valid and they are authorized to collect it
- Telling you that you have committed a crime and will be arrested if you don’t pay
- Calling you before 8:00 a.m. and after 9:00 p.m. your time
- Demand outrageous amounts that exceed the amount of the original debt
- Report inaccurate information to the credit bureaus
Company Profile: Central States Recovery, Inc.
If you are being called by Central States Recovery, Inc., information about the company is below.
Central States Recovery, Inc. is a debt collection agency located in Hutchinson, Kansas. It was established in 1966, has approximately 10 employees, and is managed by its President, Robert Capps.
Records on file at the PACER (Public Access to Court Electronic Records) website confirm that consumers who felt they were being harassed by Central States Recovery, Inc. filed lawsuits to demand compensation for violation of their rights.
Alleged Violations against Central States Recovery, Inc.
According to PACER, on or about November 2011, Central States Recovery, Inc. began calling a Kansas resident about an alleged debt. She later complained that collectors called her at work and even discussed the debt with her daughter.
Feeling harassed by Central States Recovery, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Discussing her debt with uninvolved third parties
- Using unfair and unconscionable means to collect a debt
- Calling her at work after being told to stop
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-620-663-8811. If it appears on your caller ID in response to an incoming call, it means that you are being called by Central States Recovery, Inc.
If they call you at work and discuss your debt with third parties, hire a consumer attorney. If you file a claim against Central States Recovery, Inc., you could end up being awarded $1,000 per FDCPA violation in addition to attorney fees and court costs.
Owing money does not mean you deserve to be abused, a fact that collection agencies ignore at considerable cost.
Case taken from PACER (www.pacer.gov). File number is Case 2:12-cv-02034-KHV-GLR from the United States District Court for the District of Kansas.
*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 Central States Recovery, Inc., or any other third-party collection agency, you may not be entitled to any compensation.