Is Choice Recovery, Inc calling you? Learn how to protect your rights!
If you encounter financial problems and miss a certain number of debt payments, your creditors will eventually engage a third-party collection agency to collect the outstanding balances.
Some will be willing to work out a payment plan with you, while others are so rude and aggressive that you’re tempted to go bankrupt to get them off your back. Before making any rash decisions, learn more about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to use harassment and intimidations as a means to settle a debt. If you are subjected to tactics like the following, the collector is breaking the law:
- Using profane and obscene language
- Calling you at inconvenient times and places, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing your debt with anyone except you, your spouse or your attorney
- Threatening to have you arrested or sue you
- Demanding amounts not supported by law or the original creditor agreement
Company Profile: Choice Recovery, Inc
Choice Recovery, Inc is a debt collection agency located in Columbus, Ohio. It was established in 1997, has approximately 65 employees, and is managed by its President, Mr.Chad Silverstein.
The agency has been the subject of 96 Better Business Bureau complaints in the last three years. Records archived at the PACER (Public Access to Court Electronic Records) website confirm that Choice Recovery, Inc has been accused of violating the FDCPA.
Alleged Violations against Choice Recovery, Inc
According to PACER**, in or around late 2015, Choice Recovery Inc started trying to collect a debt from an Indiana resident. She promptly disputed the debt and ordered the agency to stop contacting her, but Choice Recovery Inc sent her a collection letter dated October 5, 2015, which contained the required 30-day validation notice.
On November 2, she received another letter that threatened to report the debt to the credit bureaus. Because this letter was sent before the 30-day validation period was up, she hired a consumer attorney and sued Choice Recovery Inc for the following alleged FDCPA violations:
- Using harassing and abusive means to collect a debt
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Threatening to report her debt to the credit bureaus during the 30-day validation period
The matter was later dismissed.
Hire an Attorney
The phone numbers for Choice Recovery, Inc are:
If you see either number on your caller ID when the phone rings, a debt collector is on the line. If they keep contacting you after you dispute the debt and fail to honor the 30-day validation period, hire an attorney right away.
Such conduct violates the FDCPA, and Using unfair and unconscionable means to collect a debt could be ordered to pay you $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages.
Fighting for your rights could get you the compensation you deserve.
**Case taken from PACER (www.pacer.gov). File number is (Case 1:16-cv-01370-WTL-DKL from United States District Court for the Southern District of Indiana, Indianapolis Division)
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Choice Recovery, Inc or any other third-party collection agency, you may not be entitled to any compensation.