COVID-19 has left a lot of people dealing with more debt than they can handle. Even with employment insurance income and stimulus checks, it can be impossible to keep up, and there’s nothing to stop debt collectors from calling you and demanding payment- or is there?
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from being harassed by collection agencies. Behaviors like those below are prohibited and give you grounds to sue the debt collector if they go too far.
● Shouting profanities at you over the phone
● Calling you a deadbeat or asking you why you don’t pay your bills
● Failing to notify the credit bureaus that the debt is in dispute
● Repeatedly calling your workplace without permission
● Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
● Falsely claiming to be members of law enforcement.
Company Profile: Crescent Recovery
If you are being called by Crescent Recovery, here are some additional company details.
Crescent Recovery is a debt collection agency in Chesapeake, Virginia. It opened for business in 2003, has 110 employees, and is managed by Fred Morgan III. Archived litigation records at the PACER website confirm that people who felt harassed by Crescent Recovery acted on their right to demand compensation.
Alleged Violations against Crescent Recovery
According to PACER, in or around January 2011, Crescent Recovery allegedly started calling a California consumer constantly to collect a debt. She complained that debt collectors even called her mother and shared information about the alleged debt, and that she was threatened with property loss and legal action.
Feeling harassed by Crescent Recovery, the consumer got a free case evaluation from a consumer lawyer and sued the company for:
● Threatening legal action it had no intention of taking
● Calling her mother about the debt
● Calling her at a harassing rate
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they appear on your caller ID at any time, Crescent Recovery may be trying to collect a debt from you. If they contact your relatives to embarrass you into paying, get a free case review from a consumer lawyer and file a claim against Crescent Recovery Collection agencies that break the law may have to pay you $1,000 in statutory damages, so stand your ground when they push you too far.
*Case taken from PACER (www.pacer.gov). File number is Case 8:11-cv-00752-JVS-AN from the United States District Court for the Central District of California.
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 Crescent Recovery or any other third-party collection agency, you may not be entitled to any compensation.