Are You Being Called By Check Law Recovery Systems, Inc.?*

When you’ve lost your job, paying your bills can become impossible. Your personal difficulties, however, don’t concern the debt collector who is trying to collect the account.

They may even threaten you with arrest or public exposure to scare you into paying. If this happens, they’re breaking the law and you can sue.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) restricts what third-party debt collectors can say or do to collect an outstanding debt. Under the FDCPA, the following manipulative and harassing actions (and others like them) are illegal.

• Using profane and obscene language
• Contacting your friends, family and co-workers and discussing the debt with them
• Threatening to call your company’s payroll department and garnish your wages
• Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
• Pretending to be attorneys, police officers, or federal agents
• Failing to identify themselves during each communication as a debt collector seeking to collect a debt

Company Profile: Check Law Recovery Systems, Inc.

If you are being called by Check Law Recovery Systems, Inc., information about the company is below.

Check Law Recovery Systems, Inc. is a debt collection company located in North Little Rock, Arkansas. It opened for business in 1995, is a smaller agency with around 13 employees, and is managed by its President, Linda Ford.

According to litigation records retained by the PACER (Public Access to Court Electronic Records) website, people who felt they were being harassed by Check Law Recovery Systems, Inc. commenced legal action.

Alleged Violations against Check Law Recovery Systems, Inc.

According to PACER, on March 22, 2010 a Check Law Recovery Systems, Inc. collector named “Martha” called an Arkansas resident and tried to collect a debt allegedly owed to U.S. Bank.

She requested verification of the debt before she would agree to any payment plans, but Martha allegedly denied having any documentation and stated that she only knew the amount allegedly owed.

She also allegedly told her that if she wanted the debt validated, she would have to contact U.S. Bank herself.

Feeling harassed by Check Law Recovery Systems, Inc., the Arkansas resident hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

• Using unfair and unconscionable means to collect a debt
• Using false, deceptive, and misleading means to collect a debt
• Failing to send a debt validation letter

The matter was later dismissed.

Hire an Attorney

The phone numbers for this debt collection agency are as follows:

• 1-501-771-9448
• 1-800- 856-9225

If either one shows up on your caller ID when the phone rings, you are being called by Check Law Recovery Systems, Inc.,. If they refuse to validate the debt upon request, contact a consumer attorney who can help you stop the unverified demands.

If you decide to file a claim against Check Law Recovery Systems, Inc. and win, you could receive compensation of $1,000 per FDCPA violation in addition to attorney fees and other legal costs.

When a collection agency refuses to obey the law, going to court can give them the incentive they need.

Case taken from PACER (www.pacer.gov). File number is Case 4:10-cv-00572-JMM from the United States District Court for the Eastern District of Arkansas, Western Division.

Additional Resources

• Ask an FDCPA Attorney
• What Materials Should I Keep for an FDCPA Claim?

*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 Check Law Recovery Systems, Inc. or any other third-party collection agency, you may not be entitled to any compensation.