If a collection agency has you too afraid to answer your phone, something is very wrong. Collecting a debt is legal, but bullying and harassing you to the point that you dread a ringing phone is not. If you are in this situation, read more to learn about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) which was enacted in 1977, applies to debts acquired for personal, family, and household purposes. It protects consumers against unfair collection practices. It and penalizes agencies that use unfair practices like those below:
- Calling your friends and family and revealing that you owe money
- Using abusive and sexist language
- Saying that they have obtained a judgment against you when they haven’t
- Pursuing payment for a debt discharged in bankruptcy
- Calling you outside the hours of 8:00 a.m to 9:00 p.m. in your time zone
- Failing to identify themselves as debt collectors seeking to collect a debt
Company Profile: Legal Recovery Resource, Inc.
If you are being called by Legal Recovery Resource, Inc., here is more information about the company and its background.
Legal Recovery Resource, Inc. is a debt collection agency in Atlanta, Georgia. It was established in 2005, has 20 employees, and is managed by owner its President, Mark Craig.
Civil litigation records viewable at the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed that they were being harassed by Legal Recovery Resource, Inc. did not tolerate what they perceived to be abuse.
Alleged Violations against Legal Recovery Resource, Inc.
According to PACER, in or around December 2012, Legal Recovery Resource, Inc. started trying to collect a debt from a Georgia consumer. He alleged that on December 20, a collector left a cell phone message stating that they were calling from the office of Jason Craig & Associates and threatening to place the debt on his credit report if he did not call them immediately.
When the consumer returned the call, the collector was allegedly so abusive that he hung up.
Feeling harassed by Legal Recovery Resource, Inc., the consumer hired an attorney and sued the agency for allegedly:
- Using harassing and abusive means to collect a debt
- Failing to identify itself a debt collector in all communications
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire an Attorney
The phone number for this debt collection agency is 1-678-405-6789. If it appears on your caller ID, it means that Legal Recovery Resource, Inc. is trying to collect a debt from you.
If they are so verbally abusive that you are forced to terminate the call, hire a consumer lawyer and file a claim against Legal Recovery Resource, Inc. You could be awarded statutory damages and attorney fees if you win your case, so when a collection agency makes your life miserable, let your next call be to a lawyer.
Case taken from PACER (pacer.gov). File number is Case 1:13-cv-00444-TWT from the United States District Court for the Northern District of Georgia, Atlanta 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 Legal Recovery Resource, Inc. or any other third-party collection agency, you may not be entitled to any compensation.