Debt collectors can be both zealous and persistent. They may even chase you for debts that don’t belong to you. Fortunately, you can fight back because you have rights and don’t have to tolerate abuse because you owe money.
Your Rights Under the FDCPA
The Fair Debt Collection Practice Act (FDCPA) protects consumers from unfair collection practices. It covers consumer debts accrued for personal, family, or household use and prohibits debt collectors from using methods like those below.
● Using language meant to intimidate you
● Refusing to validate the debt
● Ignoring a cease communications letter
● Calling you before 8:00 a.m. and after 9:00 p.m.
● Discussing the debt with unauthorized third parties
● Leaving voice messages that do not identify the collector
Company Profile: National Management Recovery Corp
If you are being called by National Management Recovery Corp, here is some more information about the agency.
National Management Recovery Corp, which also does business as NMRC, is a collection agency in Coral Springs, Florida. It was incorporated in 2004, has seven employees, and is managed by Jill Stanzione. Litigation records at the PACER website confirm that those who felt that they were being harassed by National Management Recovery Corp sought compensation.
Alleged Violations against National Management Recovery Corp*
According to PACER, on or around July 23, 2010, National Management Recovery Corp allegedly called a Florida consumer and told her that if she did not pay within 24 hours, it would take it up to $9,000 of her money, although the alleged debt was only $3,300. When she asked for a debt validation letter, a representative allegedly told her that it would send the letter after she sent her payment.
On or about July 26, 2010, National Management Recovery Corp allegedly called the consumer and told her that it was “trying to serve” her and asked if she was home. Another representative allegedly told her that if she did not pay the debt, she would be sued. When the consumer said that she was unemployed and could not make a payment, the collector allegedly stated that he would “call as much as he wanted to and whenever he wanted to” and to “have a “f***ing nice day.”
Feeling harassed by National Management Recovery Corp, the consumer filed a claim against the company for:
● Using abusive means to collect a debt
● Threatening legal action it did not intend to take
● Using abusive language
The case was later resolved.
Hire a Consumer Lawyer
The phone numbers for National Management Recovery Corp are:
If any of them ever appear on your caller ID, National Management Recovery Corp is trying to contact you. If they use abusive language because you can’t afford to pay, hire a consumer lawyer and file a claim against National Management Recovery Corp. If the judge decides in your favor, you could be awarded $1,000 per FDCPA violation. When you stand up to a zealous debt collector, you could be the one who gets paid.
*Case taken from PACER (www.pacer.gov). File number is Case 0:10-cv-61719-JIM from the United States District Court for the Southern District of Florida, Fort Lauderdale Division.
- Did a Collection Agency Contact a Third Party About Your Debt?
- Did a Collection Agency Not Validate Your Debt?
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 National Management Recovery Corp or any other third-party collection agency, you may not be entitled to any compensation.