If you’re afraid to answer your phone, anticipating an aggressive demand from a collection agency, you’re not the only one. Many consumers have a debt in collections, and judging by the complaints to the FTC each year, debt collectors aren’t always ethical when pursuing it.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act protects you from being harassed into paying a debt. Collection agencies are legally prohibited from using tricks and tactics like the following to make you pay:
● Calling you outside of the hours of 8:00 a.m. and 9:00 p.m.
● Demanding payment for a debt discharged in bankruptcy
● Contacting you instead of your attorney
● Telling you that you can be arrested if you don’t pay
● Contacting your friends, family, and co-workers
● Using profane and obscene language
Company Profile: Elevate Recoveries, LLC
If you are being called by Elevate Recoveries, LLC, more information about the company is below.
Elevate Recoveries, LLC is a debt collection agency in Sherman, Texas. It started doing business in 2013, has 20 employees, and is managed by Cindy Armstrong. According to the agency website, it specializes in recovering medical debt. Records at the PACER website confirm that individuals who believed that Elevate Recoveries, LLC was harassing them got a free case review from a consumer lawyer and sued.
Alleged Violations against Elevate Recoveries, LLC
According to PACER, in or around 2013, Elevate Recoveries, LLC sent a letter to a Florida consumer regarding a medical debt dating from 2011. She disputed it, saying that it would have been covered by her insurance. The agency allegedly forwarded a validation package that did not specify the amount owed, while the consumer had records stating that she owed nothing.
Feeling harassed by Elevate Recoveries, LLC, she hired a consumer lawyer and sued the agency for:
● Misrepresenting the legal status of the debt
● Trying to deceive her into paying a nonexistent debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collector is 1-214-473-5060. If you notice it on your caller ID, it means that you are being called by Elevate Recoveries, LLC. If they try to make you pay a nonexistent debt, hire a consumer lawyer and file a claim against Elevate Recoveries, LLC. You could be awarded damages and reasonable attorney’s fees, so don’t be intimidated when there are laws in place to protect you.
*Case taken from PACER (www.pacer.gov). File number is Case 8:14-cv-02243-EAK-EAJ from the County Court for the Sixth Judicial District, in and for Pinellas County, Civil Division.
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 Elevate Recoveries, LLC or any other third-party collection agency, you may not be entitled to any compensation.