Collecting debts is legal, but when your phone rings every day and the messages left are rude and demeaning, a line has been crossed. If a collection agency has you afraid to answer your phone or check your mail, contact a consumer protection lawyer who can take steps to stop the harassment on your behalf.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, gives you the right to dispute a debt and demand no further contact from a debt collector. If they ignore your request and/or subject you to collection methods like the following, you can file a lawsuit against them.
- Failing to send you a debt validation package within five days of first contacting you
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you abusive names, like deadbeat and criminal
- Demanding that you pay a debt that isn’t even yours
- Calling you at work when they know that such calls are not allowed
- Re-aging a debt to make it appear collectible by statute
Company Profile: Midwest Diversified Recovery Services
If you are being called by Midwest Diversified Recovery Services, an agency overview is below.
Midwest Diversified Recovery Services is a debt collection agency located in Canton, Ohio. It was established in 2009, has 14 employees, and is managed by its President, Dennis Donovan. The PACER website holdings include litigation files confirming that consumers who believed that they were being harassed by Midwest Diversified Recovery Services reacted by filing claims.
Alleged Violations against Midwest Diversified Recovery Services**
According to information on the PACER website, in or around April 2014, Midwest Diversified Recovery Services began calling an Ohio consumer to collect a debt. She alleged that during one communication, on or around April 8, 2014, she attempted to set up a payment arrangement. The representative allegedly demanded that she make a payment by the end of April or “it would be taken to the judge”.
Feeling harassed by Midwest Diversified Recovery Services, the consumer engaged an attorney and sued the company for:
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection company are:
If you see them on your caller ID, it is recommended that you speak with an attorney as you are being called by Midwest Diversified Recovery Services. If they threaten lawsuits to scare you into paying, hire a consumer lawyer and file a claim against Midwest Diversified Recovery Services. Any debt collector that goes too far can be ordered to pay you $1,000 per FDCPA violation, so don’t shy away from standing up for yourself.
To have an attorney that is able to take cases in your area review your claim, complete the Free Case Evaluation on this page!
**Case taken from PACER (pacer.gov). File number is Case: 5:14-cv-01700-JRA from the United States District Court for the Northern District of Ohio, Eastern 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 Midwest Diversified Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.