Is Dynamic Recovery Services, Inc calling you? Here’s what you need to know.
Is a debt collector calling you every day, sometimes early in the morning or late at night, and rudely demanding payments that you can’t afford. When you say you can’t, does he or she become rude and threaten to garnish your wages or have you arrested. If so, they are breaking the law, even if you aren’t aware of the fact.
The Fair Debt Collection Practices Act (FDCPA) regulates what third-party debt collectors may say and do when attempting to collect a debt from you. They are legally required to be professional and transparent at all times, and refrain from activities like the following:
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- Using profane or obscene language
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Failing to identify all communications as coming from a debt collector
- Annoying you with repeat, automated phone calls
- Calling you at work after you’ve already told them that your employer doesn’t let you take personal calls
- Talking about the debt with anyone except you, your spouse, and your attorney
- Persisting in calling you even after you dispute the debt
These actions and others like them are illegal, but regrettably common, because some debt collectors are so intent on getting your money that they don’t let anything stop them, even the FDCPA.
Dynamic Recovery Services, Inc is a collection agency located in Farmers Branch, Texas. It was established in 1991, has a staff of 50-200 employees, and advertises itself as a certified minority-owned enterprise. A review of records on file at the PACER (Public Access to Court Electronic Records) website indicate that Dynamic Recovery Services, Inc has been sued for allegedly violating the FDCPA while attempting to collect consumer debts.
Plaintiff v. Dynamic Recovery Services, Inc
According to PACER** in June 2011, a Florida resident began getting collection calls from Dynamic Recovery Services, Inc about a credit card debt dating back to 2002. He later claimed that during the initial call, the debt collector claimed to be with the Internal Revenue Service, and then later admitted they were a debt collector.
Dynamic Recovery Services, Inc also allegedly threatened to take money “forcefully” if The Plaintiff did not pay them within 24 hours. He hired a consumer attorney and filed a lawsuit accusing Dynamic Recovery Services, Inc of violating the FDCPA in the following ways:
- Engaging in harassing and abusive conduct (15 U.S.C. §1692d)
- Claiming to be calling from the Internal Revenue Service (15 U.S.C. §1692e(1))
- Threatening to take money by force (15 U.S.C. § 1692e(5))
The matter was later settled.
The following phone numbers belong to Dynamic Recovery Services, Inc:
If either number appears on your caller ID, it means that a debt collector is attempting to contact you about a debt you allegedly owe. If they pretend to be police officers or IRS agents in the beginning, and then proceed to make threats if you don’t pay them immediately, contact a consumer attorney.
Being deceptive and abusive toward consumers who owe a debt is against the law, and your attorney can help you pursue the matter in court. You could win $1,000 in statutory damages per FDCPA violation, along with related court costs and attorney fees. When debt collectors become too obsessed with a payoff to remember that you have rights, the law helps you deliver an expensive reminder.
**Case taken from PACER (www.pacer.gov). File number is (Case 0:11-cv-62009-JIC from United States District Court, Southern District of Florida, Miami Division)
*Disclaimer:
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Dynamic Recovery Services, Inc or any other third-party collection agency, you may not be entitled to any compensation.