When you miss several credit card payments due to financial difficulties, debt collectors get involved. While many of them are willing to work with you, others can be so aggressive that you want to declare bankruptcy.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from being driven to bankruptcy by unethical debt collection practices. It regulates what third-party debt collectors can do when communicating with you, and prohibits actions like those below.
- Using profane and obscene language
- Raising their voices and making threats
- Refusing to provide proof that you owe a debt
- Claiming that you have committed a crime
- Demanding amounts not supported by law or the original creditor agreement
- Telling uninvolved third parties like your friends and co-workers that you owe money
Company Profile: Federal Credit Recovery, Inc.
If you are being called by Federal Credit Recovery, Inc., more information about the firm’s history and operations are below.
Federal Credit Recovery, Inc., which also does business as Midpoint Resolution Group, is a debt collection agency in West Seneca, New York. It was established in 2005, has an estimated 10 employees, and is managed by Mark Lesinski. Records maintained by the PACER website confirm that consumers who believed that they were being harassed by Federal Credit Recovery, Inc. refused to be challenged.
Alleged Violations against Federal Credit Recovery, Inc.*
According to information on the PACER website, in or around early 2006, Federal Credit Recovery, Inc. started contacting an Oregon consumer to collect a debt. He complained that the agency phoned his workplace and family, and that one collector told his father and grandmother that he owed money to Bank of America. The consumer also alleged that the agency presented itself as a law firm and had obtained a judgment against him.
Feeling harassed by Federal Credit Recovery, Inc., the consumer sued the agency for:
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Discussing his debt with uninvolved third parties
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection law office are:
If you see them on your caller ID when the phone rings, be aware that you are being called by Federal Credit Recovery, Inc. If they imply that they have a judgment against you and add to the pressure by calling your friends and family, hire a consumer lawyer and file a claim against Federal Credit Recovery, Inc.. You could be awarded $1,000 per FDCPA violation as well as legal costs. Debt collectors who harass consumers can use this kind of reminder that consumers have rights.
*Case taken from PACER (www.pacer.gov). File number is Case 3:06-cv-00674-AS from the United States District Court for the District of Oregon.
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 Federal Credit Recovery, Inc. or any other third-party collection agency, you may not be entitled to any compensation.