If financial difficulties cause your mortgage, student loans, and other obligations to go into arrears, you’ll eventually hear from a debt collector. Although they are legally permitted to try collecting the amount you owe, they are not permitted to bully or harass you into paying. It’s a guideline that many collection agencies fail to heed.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act (FDCPA) because unethical debt collectors were linked to a growing number of personal bankruptcies. The FDCPA, which protects consumer rights, made actions like those below illegal when committed while collecting or attempting to collect a debt:
- Calling you several times a day
- Swearing and using offensive language
- Contacting you at work despite knowing that personal calls are not allowed there
- Reporting inaccurate information to the credit bureaus
- Telling you that by failing to pay the debt, you have committed a crime
- Making threats they have no intention of following up on, such as seizing your assets or filing a lawsuit
Company Profile: JP Recovery Services Inc
JP Recovery Services Inc is a debt collection company located in Rocky River, Ohio. It was established in 1998, has 50 to 99 employees, and is managed by its President, John P. Beirne. It has been the subject of 47 complaints to the Better Business Bureaus in the last three years. Files retained at the PACER (Public Access to Court Electronic Records) website confirm that JP Recovery Services Inc has been accused of violating the FDCPA during its years in business.
Alleged Violations against JP Recovery Services Inc
Alexander Priel vs. JP Recovery Services Inc*
According to PACER, on or about January 2011, JP Recovery Services Inc began calling Ohio resident Alexander Friel seeking payment for an alleged debt. Mr. Friel later complained that company representatives caused his cell phone to ring repeatedly and to an extent that he found harassing. When collectors allegedly contacted his father and girlfriend and disclosed the debt details to both of them, Mr. Friel hired a consumer attorney and sued JP Recovery Services Inc for the following alleged FDCPA violations:
- Engaging in harassing, oppressive or abusive means to collect a debt
- Causing his phone to ring constantly
- Revealing details about the debt to uninvolved third parties
The matter was later settled.
Hire an FDCPA Attorney
The phone numbers for JP Recovery Services Inc are:
If any of these numbers appear on your caller ID, it means that a debt collector is trying to reach you. If they discuss your debt with your friends and family and call you at a harassing rate, contact a consumer attorney. Such collection behaviors violate the FDCPA, and if you sue JP Recovery Services Inc you could potentially be awarded $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages, putting a collection agency in debt to you instead.
*Case taken from PACER (www.pacer.gov). File number is Case: 1:12-cv-02527-PAG from the United States District Court, Northern District of Ohio, Cleveland Division.
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 JP Recovery Services Inc or any other third-party collection agency, you may not be entitled to any compensation.