When you fall behind in your monthly credit card and student loan payments and the accounts are turned over to a collection agency, your situation can become even more stressful—and that’s if the collection agency has polite workers.
If you encounter a collector who is hostile and willing to embarrass you in front of your friends and co-workers, the debt and everything tied into it can become downright unbearable. At such a difficult time, it’s easy to forget that you have rights and protections under the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) allows debt collectors to contact you regarding a debt, but they are not allowed to pursue you to the point of harassment. Below is a sample of collection tactics that violate the FDCPA and can result in significant penalties.
- Calling at unreasonable and inconvenient hours
- Threatening action they are not in a position to legally take
- Contacting you after you have formally requested that all communications cease
- Swearing and calling you names
- Calling you at work if they know that such calls are not allowed
- Telling your friends, neighbors, and co-workers that you owe money
Company Profile: General Business Recoveries, Inc.
If you are being called by General Business Recoveries, Inc., information about the company is below.
General Business Recoveries, Inc. is a third-party collection agency located in Tucson, Arizona. It was established in 1981, has approximately 15 employees, and is operated by its President, Margaret Wyko.
The company also holds memberships in the American Collectors Association International and the Arizona Collectors Association. According to court action records archived at the PACER (Public Access to Court Electronic Records) website, several consumers who believed they were being harassed filed lawsuits seeking damages.
Alleged Violations Against General Business Recoveries, Inc.
According to PACER, in or around December 2009, General Business Recoveries, Inc. allegedly called an Arizona resident at her workplace to collect a consumer debt. She told the caller that she could not receive such communications there, but General Business Recoveries, Inc. allegedly called her three more times.
Feeling harassed by General Business Recoveries, Inc., the plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA by calling her workplace after being informed that such calls were prohibited.
The matter was later dismissed.
Hire an Attorney
The phone number for this collection agency is 1-520-622-4441. If you see it on your caller ID when the phone rings, it means that you are being called by General Business Recoveries, Inc. If collectors persist in calling you at work after you’ve insisted that such calls are prohibited, hire a consumer attorney.
If you file a claim against General Business Recoveries, Inc., you could potentially be awarded $1,000 per FDCPA violation plus any associated costs. The law is on your side when debt collectors go too far, so never be too intimidated to fight back.
The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against General Business Recoveries, Inc., or any other third-party collection agency, you may not be entitled to any compensation.
**Case taken from PACER (www.pacer.gov). File number is Case 4:10-cv-00252-AWT from the United States District Court for the District of Arizona, Tucson Division.