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By Contributing Author: Sergei Lemberg Updated on

Is Immediate Credit Recovery Calling You?*

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Is Immediate Credit Recovery calling you? Here’s what you need to know.

Debt can overcome you when you least expect it. You could suddenly be laid off, injured, or hit with an unexpected (and expensive) crisis like a damaged roof or broken-down car.

Once you miss a certain number of payments, debt collectors will start calling, and not all of them are civil in their approach.

The Fair Debt Collection Practices Act, or FDCPA, was passed by Congress in 1977 after predatory debt collectors were linked to an increase in personal bankruptcies. It regulates what third-party collectors can say and do while collecting or attempting to collect a debt, and prohibits tactics like those below.

Immediate Credit Recovery FDCPA

  • Using profane and obscene language
  • Calling you before 8:00 a.m. and after 9:00 p.m. your time
  • Threatening to ruin your credit unless the debt is paid
  • Calling you at work when they know that your workplace won’t let you take such calls
  • Trying to collect an amount not authorized by law or by the original creditor agreement
  • Discussing the debt with anyone except you, your spouse, or your attorney

Alleged Violations against Immediate Credit Recovery, Inc*

Using oppressive and deceptive means to collect debts has been illegal for forty years, but debt collectors persist in using them because too many people find it easier and less stressful to pay than fight back.

Immediate Credit Recovery, Inc is a collection agency located in Wappingers Falls, New York. It was established in 1990, has over 150 employees, and has a branch division in Kennesaw, Georgia. According to civil litigation records on file at the PACER (Public Access to Court Electronic Records) website, indicate that Immediate Credit Recovery, Inc has been accused of violating the FDCPA during certain debt collection attempts.

Shari Lee v. Immediate Credit Recovery, Inc et al

In or around 2014, New York resident Shari Lee began getting calls from Immediate Credit Recovery, Inc about a debt owed by someone named “Steven”. She told each collector that this individual could not be reached at her telephone number, but the calls allegedly continued. She finally had enough, hired a consumer attorney, and filed a complaint accusing Immediate Credit Recovery, Inc of violating the FDCPA in the following ways:

  • Calling her and failing to identify themselves or confirm/correct location information
  • Using harassing and oppressive needs to collect a debt
  • Using the telephone to harass her
  • Leaving voicemail messages that failed to identify the caller and company as a debt collector seeking to collect a debt
  • Using unfair and unconscionable means to collect a debt

The matter was later settled.

The phone numbers below are all connected to Immediate Credit Recovery, Inc:

If any of these numbers appear on your caller ID, be aware that a debt collector is trying to contact you about a debt that may not even be yours. If Immediate Credit Recovery, Inc. keeps calling you even after you have insisted that they have the wrong party, see a consumer attorney who can deal with the company on your behalf and even help you file a lawsuit if the harassment does not stop.

You could potentially receive $1,000 per FDCPA violation, as well as court costs, attorney fees, and any actual damages such as stress and embarrassment. When debt collectors bother people about obligations that they do not owe, the law will step in.

*Case taken from PACER ( File number is 7:15-cv-01975-AT from the United States District Court, Southern District of New York.

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 Immediate Credit Recovery, Inc or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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