Is Platinum Recovery Solutions, Inc calling you? Here's what you need to know.
Falling behind on your bills and owing increasing amounts of money is a stressful situation to be in, especially if you are dealing with rude and unethical debt collectors. The good news is that no matter how much money you may owe, you still have rights.
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 after predatory debt collectors were accused of contributing to a rise in personal bankruptcies and similar financial crises.
Consumer Rights Protected by the FDCPA
Under the FDCPA, debt collectors may not use methods like the following when collecting or attempting to collect a debt.
- Swearing and using profane language
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Calling you at work after you’ve told them that your boss doesn’t allow such calls
- Making threats they cannot legally carry out or have no intention of carrying out
- Demanding amounts that exceed the original debt
- Discussing the debt with anyone except you, your spouse, and your attorney
Collection methods like these are against the law, but remain prevalent because not enough consumers report infringements to the Federal Trade Commission or file lawsuits in response.
Company Profile: Platinum Recovery Solutions
Platinum Recovery Solutions, Inc is a collection agency located in Omaha, Nebraska. It was established in 1988, has fewer than 20 employees, and is a subsidiary of First National. According to records archived at the PACER (Public Access to Court Electronic Records) website, Platinum Recovery Solutions, Inc has been accused of violating the FDCPA during many of its consumer debt collection attempts.
Contacting an FDCPA Attorney if Contacted by a Debt Collector
The phone numbers for Platinum Recovery Solutions, Inc are 1-866-302-1102 and 1-402-633-7996. If you see a call come in from either number, it means that a debt collector is attempting to contact you. If they call several times a day, leave messages that do not identify their name or their purpose, or reach out to third parties about your debt, contact a consumer attorney.
They can deal with Platinum Recovery Solutions, Inc on your behalf and help you sue the agency if the harassment persists. You could potentially win $1,000 per FDCPA violation plus attorney's fees, court costs, and any actual damages, so a good offense can often leave an unethical debt collector with no defense.
*Case taken from PACER (www.pacer.gov). File number is 3:10-cv-00131-TJC-TEM from United States District Court, Middle District of Florida, Jacksonville Division
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 Platinum Recovery Solutions, or any other third-party collection agency, you may not be entitled to any compensation.