Is Interboro Recovery Service, Inc. Calling You?* Here's What You Need to Know
Debt problems can be hard to manage, and calls from persistent and aggressive collection agencies can make a challenging situation all the more stressful. The good news? You’ve got rights that limit what a debt collector can say or do, thanks to the Fair Debt Collection Practices Act.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits third-party collection agencies from using methods like those below to scare or pressure you into paying a consumer debt:
- Calling you several times a day
- Contacting you at work despite knowing that personal calls are not allowed there
- Telling you that by failing to pay the debt, you have committed a crime
- Using profane and obscene language
- Discussing your debt with anyone except you, your spouse or your attorney
- Demanding amounts not supported by law or the original creditor agreement
Company Profile: Interboro Recovery Service, Inc.
Interboro Recovery Service, Inc. is a debt collection agency located in Glenolden, Pennsylvania. It was established in 1990, has less than 10 employees, and is managed by its President, Sandy McAleer. Files archived at the PACER (Public Access to Court Electronic Records) website indicate that the company has been accused of debt collection practices that violate the FDCPA.
Alleged Violations against Interboro Recovery Service, Inc.
David Griffin vs. Interboro Recovery Service, Inc. et al*
According to PACER, Interboro Recovery Service, Inc. purchased a delinquent credit card account owed by Pennsylvania resident David Griffin in December 2005. Starting in the summer of 2007, collector James Pearce allegedly began calling Mr. Griffin at his home and workplace. When Mr. Griffin stated his inability to pay and disputed the debt, Mr. Pearce allegedly belittled him and threatened to garnish his wages. Months later, Interboro Recovery Service, Inc. sued him, even though the debt was allegedly beyond the statute of limitations at the time the lawsuit was filed.
Mr. Griffin reacted by hiring a consumer attorney and suing Interboro Recovery Service, Inc. for allegedly violating the FDCPA in the following ways:
- Sending the debt validation notice beyond the five-day notice required by law
- Using false, deceptive, or misleading representation in connection with the collection of a debt
- Threatening action that could not legally be taken
- Misrepresenting the legal character of the debt
The matter was later dismissed.
Hire an Attorney
The phone number for Interboro Recovery Service, Inc. is 1-484-478-0888. If the phone rings and this number appears on your caller ID, a debt collector is attempting to reach you. If they are rude and belittling and try to sue you over an out-of-statute debt, hire a consumer attorney who can help you fight back in court. You could potentially win $1,000 per violation as well as attorney's fees, court costs, and any actual damages, reminding debt collectors that they violate consumer rights at their own risk.
*Case taken from PACER (www.pacer.gov). File number is Case 2:08-cv-00805-ER from the United States District Court for the Eastern District of Pennsylvania.
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 Interboro Recovery Service, Inc. or any other third-party collection agency, you may not be entitled to any compensation.