Is Paramount Recovery Systems calling you? Here's what you need to know.
Most of us carry some form of debt these days: credit card balances, mortgage and car payments, student loans and / or medical debt. If money problems arise that force us to miss payments, eventually our accounts will likely be charged-off or handed over to third party debt collectors, who will then start calling us to collect the outstanding balances. Not all of them are civil about it either.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed by in 1977 after abusive conduct by third-party debt collectors was linked to an increase in personal bankruptcies. This consumer protection law regulates what third-party collectors can say to you and others while collecting or attempting to collect a debt, and does not allow them to pull harassing stunts like the following:
- Calling you at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. your time
- Calling you at work if you tell them that your employer does not allow it
- Demanding amounts that are not supported by law or the original creditor agreement
- Threatening legal actions they cannot take or have no intention of taking
- Using abusive or obscene language
- Discussing the debt with any third party except your spouse, attorney, or co-signer
Company Profile: Paramount Recovery Systems
Paramount Recovery Systems is a medical debt collection agency located in Robinson, Texas. It was established in 2001, has less than 20 employees, and is owned by Mark McLean. According to records retained at the PACER (Public Access to Court Electronic Records) website, Paramount Recovery Systems has been accused of debt collection practices that violate the FDCPA.
Alleged Violations Against Paramount Recovery Systems
According to PACER, between February and May 2012, a Texas resident received several calls from Paramount Recovery Systems. She later alleged that the collectors called, on average, more than twice a day to collect the debt, which she denied owing. When she confirmed with the original creditor that she did not owe it and notified Paramount Recovery Systems of that fact, the calls allegedly continued. She complained that many calls made to her cell phone involved an automatic telephone dialing system that left pre-recorded voice messages.
When she discovered that Paramount Recovery Systems reported the debt to the credit agencies and did not mention that it was disputed, she hired a consumer attorney and sued the agency for the following FDCPA violations:
- Using abusive and unethical means to collect a debt
- Causing her telephone to ring constantly
- Misrepresenting the legal status of the debt
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Failing to notify the credit bureaus that the debt was disputed
The matter was later settled.
Hire a Creditor Harassment Attorney
The phone numbers for Paramount Recovery Systems are:
If either number appears on your caller ID, it means that a debt collector is looking for you. If they try to collect a debt that is not yours, fail to report it as disputed to the credit agencies, or use an automated dialing system to call your cell phone, hire a consumer attorney to help you settle your debt.
These collection practices violate your rights under the FDCPA, and your attorney can help you seek compensation of $1,000 per violation as well as attorney's fees, court costs, and any actual damages. If a debt collector crosses the line with you, the law gives you the resources to push back.
*Case taken from PACER (www.pacer.gov). File number is case 3:13-cv-00546-M from United States District Court, Northern District of Texas
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 Paramount Recovery Systems, or any other third-party collection agency, you may not be entitled to any compensation.