Are you being called by Independent Recovery Resources?* Here's what you need to know.
No one likes being contacted by a debt collection agency. If they are rude and harass you at every available opportunity, is there anything you can do about it? What are your legal rights when they yell and make threats? Here are ways that you can stop the constant harassment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which was passed in 1977, gives you the right to dispute a debt and request its validation. It also prohibits actions like the following and penalizes collection agencies that use them to settle a debt.
- Using profane and obscene language
- Contacting your friends, family and co-workers and discussing the debt with them
- Threatening to call your company’s payroll department and garnish your wages
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Pretending to be attorneys, police officers, or federal agents
- Telling your friends, neighbors, and co-workers that you owe a debt
Company Profile: Independent Recovery Resources
If you are being called by Independent Recovery Resources, information about the company is below.
Independent Recovery Resources is a debt collection company located in Patchogue, New York. It opened for business in 1996, has 20 employees, and is managed by Anita Manghisi. According to litigation records retained by the PACER (Public Access to Court Electronic Records) website, people who felt they were being harassed by Independent Recovery Resources commenced legal action.
Alleged Violations against Independent Recovery Resources
According to PACER, in or around April 2010, Independent Recovery Resources allegedly began contacting a New York resident and leaving a series of pre-recorded messages on her phone. These messages also allegedly failed to warn her that the caller was a debt collector seeking to collect a debt.
Feeling harassed by Independent Recovery Resources, the plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing and abusive means to collect a debt
- Failing to identify itself as a debt collector in all communications
- Using false, deceptive and misleading means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see any of them on your caller ID when the phone rings, you are being called by Independent Recovery Resources, presumably about a debt you are believed to owe. If they leave you a series of harassing and automated voicemails that do not specify your rights, hire a consumer attorney. If you decide to file a claim against Independent Recovery Resources and win, you could receive compensation of $1,000 per FDCPA violation. When a collection agency refuses to believe that you are the wrong person, going to court can give them the proof they need.
*Case taken from PACER (www.pacer.gov). File number is Case 2:10-cv-03548-JFB-WDW from the United States District Court for the Eastern District of New York.
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 Independent Recovery Resources or any other third-party collection agency, you may not be entitled to any compensation.