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Updated on Author: Contributing Author: Sergei Lemberg

Are you being called by Debt Recovery Specialists?*

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Are you being called by Debt Recovery Specialists?* Here’s what you need to know.

Few people today carry no debt whatsoever. As long as we don’t experience any financial setbacks, we can usually manage, but unexpected illness or job loss can make these debts overwhelming. When collection agencies start contacting us, they are supposed to be civil and professional, but not all of them are. That’s why it’s important to know your rights.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, gives indebted consumers the right to dispute a debt and tell a collector to stop contacting it them. This consumer protection law also makes it illegal for third-party debt collectors to use tactics like those below to bully or harass you into paying.

  • Swearing and calling you names
  • Refusing or failing to validate the debt
  • Calling at all hours of the day and night
  • Maliciously reporting inaccurate information to the credit bureaus
  • Discussing the debt with anyone except you, your spouse, and your attorney
  • Trying to collect an amount that is not authorized by law or the original creditor agreement

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Company Profile: Debt Recovery Specialists

If you are being called by Debt Recovery Specialists, information about the company is below.

Debt Recovery Specialists is a debt collection agency located in Mount Vernon, Washington. The office was opened in 1996, has less than 10 employees, and is managed by its owner, Denise Decker. Records retained at the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Debt Recovery Specialists hired consumer protection attorneys and fought back.

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Alleged Violations against Debt Recovery Specialists

Plaintiff vs. Debt Recovery Specialists*

According to PACER, a Washington resident checked her credit report and saw an alleged debt being reported by Debt Recovery Specialists. She sent a dispute letter on April 19, 2016, but when she examined her credit report again on June 28, 2016 she found that the company had re-reported the credit account to the bureau(s) in May 2016, despite receipt of her dispute letter.

Feeling harassed by Debt Recovery Specialists, The Plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

The matter was later dismissed.

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Hire an Attorney

The phone numbers for this collection attorney’s office are:

If you see any of these numbers on your caller ID, it means that you are being called by Debt Recovery Specialists. If they fail to report a debt as disputed despite confirmed receipt of your notification letter, hire a consumer attorney who can help you file a claim against Debt Recovery Specialists. You could potentially receive $1,000 per FDCPA violation, proving that owing money does not make you a target of deception and can be an expensive mistake.

*Case taken from PACER ( File number is Case 2:16-cv-01495-RAJ from the United States District Court for the Western District of Washington.

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 Debt Recovery Specialists, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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