If you’re laid off or become too sick to work, keeping up with your mortgage, credit card bills, and student loans can become impossible. You could also deal with debt collectors who don’t care that you’ve fallen on hard times. While they can contact you about paying the debt, there are certain guidelines that they must follow.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act makes it illegal for collectors to use unethical or subversive means to collect a debt. If the agency you’re dealing with subjects you to mistreatments like the following, you have grounds to sue.
● Adding unauthorized service fees to the debt
● Reporting Information to the credit bureaus
● Claiming that you can lose your job for not paying a debt
● Threatening nonexistent lawsuits
● Harassing you by phone
● Calling you outside the hours of 8:00 a.m to 9:00 p.m.
Company Profile: Performant Recovery, Inc.
If you are being called by Performant Recovery, Inc., below is a summary of its management and operation.
Performant Recovery, Inc. is a debt collection agency headquartered in Livermore, California. It opened for business in 1976, has 1700 employees across multiple locations, and is managed by Celeste Vargas. BBB reviews average one star due to consumer complaints. Litigation records at the PACER website shows that consumers who felt harassed by Performant Recovery, Inc. sued the company.
Alleged Violations against Performant Recovery, Inc.*
According to information on the PACER website, in or around early 2015, Performant Recovery, Inc. commenced collection action against a California consumer over a student loan debt. She complained that collectors called her at work and demanded payment although she denied receiving a validation letter.
Feeling harassed by Performant Recovery, Inc., the consumer hired an FDCPA attorney and sued the agency for:
● Ignoring her demands to stop calling at work
● Never sending a validation letter with details about the debt
The case was later settled.
Hire a Consumer Lawyer
The phone numbers for Performant Recovery, Inc. are as follows:
If you see any of these numbers on your caller ID, Performant Recovery, Inc. is trying to reach you, likely about a student loan debt. If they call you at work without ever validating the debt, hire a consumer lawyer and file a claim against Performant Recovery, Inc. The court could award you $1,000 for each violation of your rights, so the decision to fight back can pay off.
*Case taken from PACER (www.pacer.gov). File number is Case 2:16-cv-03014-SVW-AJW from the United States District Court for the Central District of California.
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 Performant Recovery, Inc. or any other third-party collection agency, you may not be entitled to any compensation.