Are you being called by Pinnacle Recovery, Inc.?* Here's what you need to know.
Debt collectors can be relentless. They frequently act without regard for your rights, since so many people fail to protest mistreatment that the practice is lucrative. Don’t let yourself be pushed around: although they would like you to believe otherwise, no debt collector is immune to the law.
Your Rights Under the FDCPA
While debt collectors are legally allowed to contact you about a debt, the Fair Debt Collection Practices Act (FDCPA) prohibits them from using deceptive or coercive means. Tactics like those listed below can result in significant sanctions from the Federal Trade Commission.
- Using profane and obscene language
- Threatening legal action they are not eligible to take or have no intention of taking
- Trying to collect an amount not authorized by law or by the original creditor agreement
- Calling at unreasonable and inconvenient hours
- Reporting false information to the credit bureaus
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
Company Profile: Pinnacle Recovery, Inc.
If you are being called by Pinnacle Recovery, Inc., information about the company is below.
Pinnacle Recovery, Inc. is a debt collection company located in Carlsbad, California. It was established in 2000, has approximately 75 employees, and is managed by its President, Margaret Eardley. Civil litigation files archived at the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Pinnacle Recovery, Inc. filed lawsuits to demand compensation.
Alleged Violations against Pinnacle Recovery, Inc.
According to PACER, on or before August 19, 2010, Pinnacle Recovery, Inc. began attempting to collect an alleged debt from a Pennsylvania resident. On that particular date, the company allegedly called and left a voicemail that did not identify the name of the agency or disclose its status as a debt collector, forcing her to discover these particulars on her own.
Feeling harassed by Pinnacle Recovery, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using deceptive and misleading means to collect a debt
- Failing to disclose that it was a debt collector in the aforementioned voicemail
The matter was later dismissed.
Hire an Attorney
The phone number for this collection firm are:
If you see either number on your caller ID when the phone rings, it means that you are being called by Pinnacle Recovery, Inc.. If they leave voice messages that do not properly disclose the company name or the fact that they are trying to collect a debt, hire a consumer attorney. If you file a claim against Pinnacle Recovery, Inc. and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. Never assume that being in debt makes you a target of abuse: the law says otherwise.
*Case taken from PACER (www.pacer.gov). File number is Case 3:10-cv-02573-WJN from the United States District Court for the Middle District of Pennsylvania.
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 Pinnacle Recovery, Inc., or any other third-party collection agency, you may not be entitled to any compensation.