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By Contributing Author: Sergei Lemberg Updated on

Contacted by Miracle Financial?*

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If you have received a call or automated message from Miracle Financial, you must be aware that this debt collection firm has been the topic of numerous consumer complaints and may be in violation of the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law designed to protect consumers like you from unfair, unethical, and illegal debt collection practices.

Miracle Financial

Miracle Financial is a debt collection firm, with its headquarters in Plymouth, Massachusetts. The primary phone number associated with this company is (508) 746-1550, though a variety of other phone numbers may also used.

Miracle Financial is consistently associated with Verizon Wireless in consumer complaints. Complaints often involve the collection company using abusive, harassing, and other illegal practices in phone communications.

Privacy concerns and attempts to collect debts that are past the statute of limitations are also among the complaint allegations against this company. Miracle Financial has additionally been accused of attempting to collect debts from people to whom those debts do not belong, and of repeatedly contacting consumers even once informed to cease communications.

If a Collection Agency Contacts You*

If a collection agency contacts you, you have the right under FDCPA regulations to request no further contact. While a “cease communications” request will not make a debt disappear, it can stop collection letters and phone calls.

A collection agency that continues to contact you after you submit a cease communications notice is violating federal law. The FDCPA, and possibly some state laws in your home jurisdiction, provide protection against unwanted communications. A firm that ignores a cease communications notice can be liable for their violations of federal (and possibly state) regulations, including fees of $1,000.

Keep track of all communication you have with a debt collector, including any notices you receive in the mail and phone calls you receive as well. If the debt collector leaves messages on your voicemail or answering machine, try to save them and if possible, record phone conversations that occur.

All of the details you compile about debt collection agency communications can help build a claim against the firm. You can sue for FDCPA and other consumer violations, including lawsuits in federal and possible state court. You may also be able to stop collection efforts without going to court, if you have a strong enough case against the firm to make the company fearful of a successful legal action against them. Consider contacting an attorney to assist with your claim and to help protect your interests.

*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Contacted by Miracle Financial or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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