Are you being called by Express Recovery Services, Inc.?* Here's what you need to know
Every year the Federal Trade Commission receives thousands of complaints about debt collectors. In some case, they are demanding payment for a debt that is no longer valid. In others, they are calling the consumer every day and even talking about their debt to friends, family, and coworkers. If you find yourself being chased by such a company, read on to learn more about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that prohibits third-party debt collectors from using deceptive and unethical collection tactics like those below. Consumer complaints can lead to an agency being fined or even closed permanently.
- Threatening legal action they cannot take or have no intention of taking
- Calling you at inconvenient times and places
- Claiming that you owe an amount that’s not supported by law or the original creditor agreement
- Using profane or obscene language
- Talking to your friends and family about your debt
- Contacting you directly even after you’ve hired an attorney to represent you in the matter
Company Profile: Express Recovery Services, Inc.
If you are being called by Express Recovery Services, Inc. information about the company is below.
Express Recovery Services, Inc., which also does business as Clear Management Solutions, is a debt collection company located in Salt Lake City, Utah. It was established in 1996, has less than 10 employees, and is managed by its President, Danny Rich. According to litigation data maintained by the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Express Recovery Services, Inc. chose to go to court instead of give in to harassment.
Alleged Violations against Express Recovery Services, Inc.
According to PACER, on or about June 14, 2016, Express Recovery Services, Inc. sent a collection letter to a Georgia resident. The letter stated in part, “Re: Optimal Readings Prof Srvcs” but allegedly did not name the actual creditor. It further stated, “Avoid future interest charges by paying your account in full” although no interest was accruing on the account and the company didn’t have any legal right to collect interest. The reverse side of the letter stated in part: “A $5.95 convenience fee may be charged for automatic payment plans, payments by phone or online payments.”
Feeling harassed by Express Recovery Services, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- 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 an Attorney
The phone numbers for this debt collection agency are as follows:
If your phone goes off any time of the day or night and you see these numbers on your caller ID, it means that you are being called by Express Recovery Services, Inc.. If they send you collection letters that contain misleading or vague statements, hire a consumer attorney. If you win your case, you could receive $1,000 per FDCPA violation, so never let a collection agency mislead you into believing that you have no rights.
*Case taken from PACER (www.pacer.gov). File number is Case 1:17-cv-02096-SCJ from the United States District Court for the Northern District of Georgia, Atlanta 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 Express Recovery Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.