Debt collection agencies will contact you if you have a large amount of debt or fall behind in paying your bills. To avoid the unfair, abusive, or deceptive treatment of debtors by debt collectors, the Federal Trade Commission (FTC) enacted the Fair Debt Collection Practices Act (FDCPA) in 1978. The FDCPA is meant to ensure that debt collectors follow respectable guidelines when contacting debtors, and also allows debtors to seek legal action against these agencies when their rights have been violated.
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Alleged Violations against Nationwide Recovery Systems*
Nationwide Recovery Systems is a debt collection agency of about 500 employees. There are three Nationwide Recovery Systems offices located in Dallas, Texas; Tyler, Texas; and India.
According to LawsuitData.com, in 2012, a Michigan woman accused Nationwide Recovery Systems of violating the FDCPA. The lawsuit alleged that Nationwide Recovery Systems falsely reported the woman’s credit score to a credit report agency. If a debt collector contacts a third party about your debt, or reports false information on your credit report, it is a violation of the FDCPA.
What to Do if Nationwide Recovery Systems is Trying to Collect a Debt from You*
If you believe that Nationwide Recovery Systems is violating your rights under the FDCPA, there are certain actions you are able to take. First of all, you have the right to ask Nationwide Recovery Systems to stop contacting you about the debt. This can be a verbal or written request, but the best option is probably to send it as certified mail to prove that the request was made.
Nationwide Recovery Systems should stop contacting you about your debt once the request is received. If they don’t, you should log every time they call you since the request. Make a record of the date, time, and name of the representative for each call. This information may help you if you choose to file a lawsuit against the company. It is also helpful to note that a violation can earn you up to $1,000 for the violation of the FDCPA, plus additional damages if you are entitled to them.
You may also want to contact an FDCPA attorney to help you collect the evidence you need to file a successful claim, determine the correct amount of damages to seek, and pursue a lawsuit against Nationwide Recovery Systems in a court of law. You are able to file a claim in state court, with the FTC, in small claims court, or also with your own state attorney general’s office.
*According to LawsuitData.com.
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 Nationwide Recovery Systems or any other third-party collection agency, you may not be entitled to any compensation.