When you can’t pay your bills due to major financial setbacks, it’s stressful enough. But if they yell at you, tell you that they will take you to court and threaten to tell your boss about the debt, it can be unbearable. Such abuse is actually illegal and you have the ability to fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates what third party debt collectors may say and do while trying to collect a consumer debt. Examples of illegal activities include:
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Calling you at work after you tell them that you can’t take their calls there
- Using profane or obscene language
- Claiming that you can be arrested, have your assets seized, or have your wages garnished if you do not pay
- Telling your friends, neighbors, and co-workers that you owe money
- Leaving voice messages that do not identify the collector and the purpose of their call
Company Profile: Dynamic Legal Recovery
If you are being called by Dynamic Legal Recovery, below is an overview of the agency and its operations.
Dynamic Legal Recovery, which also does business as Yes Online, Inc., is a debt collection agency in Santa Clarita, California. It was founded in 1995, has 10 employees, and is managed by CEO Terry Taylor.
Litigation records viewable at the PACER website indicate that consumers who believed that they were being harassed by Dynamic Legal Recovery chose to fight back.
Alleged Violations against Dynamic Legal Recovery
According to information on the PACER website, on or around October 1, 2018, a Florida consumer contacted Dynamic Legal Recovery after receiving an email. She later claimed that company representatives threatened to report the debt to the credit bureaus.
When she informed them that she had previously disputed the debt to a credit bureau and it was removed due to being inaccurate, the representative allegedly told her that she would not be able to buy a house or car unless she paid the debt.
Feeling harassed by Dynamic Legal Recovery, the consumer engaged an attorney and sued the company for violating her rights in the following ways:
- Threatening to communicate false credit information
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-877-777-7564. If you see it on your caller ID, it means that you are being called by Dynamic Legal Recovery. If they threaten dire credit consequences if you don’t pay the debt, protect your rights by hiring a consumer lawyer and filing a claim against Dynamic Legal Recovery.
No matter how much you owe, the law protects you from abuse, and the company could be ordered to pay you thousands in compensation.
*Case taken from PACER (pacer.gov). File number is Case 3:18-cv-02223-MCR-EMT from the United States District Court for the Northern District of Florida.
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 Dynamic Legal Recovery or any other third-party collection agency, you may not be entitled to any compensation.