Is PD Recovery Inc calling you? Learn to protect your rights!*
Being hounded by debt collectors is never a pleasant experience. Every time the phone rings or an innocuous-looking letter appears, it’s a reminder that your finances have gotten out of control and you owe more money than you can afford to pay back.
If the debt collector is rude, harasses you constantly, or refuses to work out an affordable payment plan with you, you may be tempted to declare bankruptcy to escape an intolerable situation.
Don’t let yourself be pushed to that point, because the law is on your side.
Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect indebted consumers from being unfairly treated abuse by third-party debt collectors.
Under this federal law, a collection agent may not use tactics like the following to stress you into paying:
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Swearing and calling you names
- Claiming that they will send the police to arrest you or sheriff to seize your property if you don’t pay
- Calling you at work after you tell them that you are not allowed to talk to them there
- Demanding amounts that are inflated by ‘service charges’
- Failing or refusing to prove a debt exists and they are authorized to collect it
- Telling your friends and neighbors that you owe money
Despite these government-imposed limitations, many debt collectors still use unethical tactics to get your money.
PD Recovery Inc is a collection agency located in Salt Lake City, Utah. It was established as the collection agency arm of Dollar Financial Group and is dedicated to collecting outstanding payday loans.
Records archived at the PACER (Public Access to Court Electronic Records) website confirm that PD Recovery Inc has been accused of violating the FDCPA during some debt collection attempts.
Georgia resident vs. PD Recovery Inc (Case 1:05-cv-00921-JTC from United States District Court, Northern District of Georgia, Atlanta Division)
In February 2004 PD Recovery Inc sent two collection letters to a Georgia resident. Each one was identical in content except for the amount due and settlement offer.
Both letters also included the following statement:
Our clients (sic) records show that your debt is immediately due. We have been authorized to offer you a fifty (50%) settlement of your account if received within 14 days from the date of this letter.
The resident later complained that neither letter referenced her right to validate and in effect overshadowed the 30 day validation notice required by law.
She also pointed out that the original debts were for payday loans, which were illegal in Georgia at that time.
She hired a consumer attorney and sued PD Recovery Inc for allegedly violating the FDCPA in the following ways:
The matter was later dismissed.
The phone numbers for PD Recovery Inc are 1-801-933-4526 and 1-610-640-5923. If either number appears on your caller ID, be aware that a debt collector may be attempting to collect a delinquent payday loan from you.
If they fail to validate the debt or advise you of your right to dispute, contact a consumer attorney who can help you defend your rights in court.
You could potentially be awarded compensation, including $1,000 per FDCPA violation plus attorney’s fees, court costs, and any actual damages. Any time a collection agency disregards your rights as a consumer, they could end up owing you money instead.
*The content of this article is not applicable solely to PD Recovery, but to any third-party collection agency by which you claim to have been harassed.