When you’re having financial problems and can barely make ends meet (let alone pay your debts), rude and demanding calls from a debt collector can make things even worse.
If you are being chased by a collection agency that bullies, deceives, and otherwise abuses you, understand that their actions are illegal and you don’t have to tolerate them.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates the conduct of third-party debt collectors. These companies may only contact you at approved times and refrain from abusive conduct like the following:
- Raising their voice and threatening you
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Refusing to provide you with information about the debt
- Impersonating law enforcement
- Use abusive, obscene, or profane language
- Publicly identifying you as an alleged debtor
Company Profile: Cypress Asset Recovery Services
If you are being called by Cypress Asset Recovery Services, here are some additional company details.
Cypress Asset Recovery Services is a debt collection agency in San Francisco, California. It was established in 209, has 15 employees, and is managed by owner Kes Narbutas.
Records at the PACER website confirm that consumers who thought that they were being harassed by Cypress Asset Recovery Services filed FDCPA lawsuits to protect their rights.
Alleged Violations against Cypress Asset Recovery Services
According to PACER, on or around March 8, 2016, Cypress Asset Recovery Services sent a collection letter to the wife of a California consumer. It used the letterhead for The Tehama Law Group, but the sender did not appear to be a licensed attorney.
He disputed the debt and soon received another letter demanding a higher amount. The agency also allegedly called the consumer at work and threatened to sue and/or file criminal charges against him for nonpayment.
Feeling harassed by Cypress Asset Recovery Services, the consumers sued the agency for:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Threatening to take action that cannot legally be taken
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If you see them on your caller ID, you should be concerned because Cypress Asset Recovery Services is likely trying to collect a debt from you. If they threaten to sue you or file criminal charges for nonpayment, fight back by hiring a consumer lawyer and filing a claim against Cypress Asset Recovery Services.
If you win your case, the agency can be ordered to pay you $1,000 per FDCPA violation and compensate you for your court costs and attorney fees, so fighting back can pay off.
Case taken from PACER (pacer.gov). File number is Case 3:17-cv-03144-JD from the United States District Court for the Northern 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 Cypress Asset Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.