People fall into serious debt for a number of reasons that may not be their fault. Regardless, once an account goes into arrears, creditors will assign them to third-party debt collectors. If the collection agency assigned to your account is rude, aggressive, or intrusive, it’s time to read up on your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, gives you the right to dispute a debt and tell a collector to stop contacting you. It also prohibits the use of methods like the following to collect a debt.
- Using profane and obscene language
- Calling you at work after you’ve told them that your workplace doesn’t allow such calls
- Pretending to be police officers or federal agents
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Telling your friends, neighbors and co-workers that you owe money and they are trying to collect it from you
- Attempting to collect a debt that is in dispute
Company Profile: Quality Asset Recovery, LLC
If you are being called by Quality Asset Recovery, LLC, information about the company is below.
Quality Asset Recovery, LLC is a debt collection company located in Gibbsboro, New Jersey. It was established in 2002, has approximately 14 employees, and is managed by its President, Tammy Peters. The company motto, as published on its website, is “Collect with Respect.” Records on file at the PACER (Public Access to Court Electronic Records) website indicate that consumers who felt they were being harassed by Quality Asset Recovery, LLC hired consumer attorneys to help them pursue compensation.
Alleged Violations against Quality Asset Recovery, LLC
According to PACER, on or around April 2012 Quality Asset Recovery, LLC sent a collection letter to a New York resident. On or about April 10, she requested a debt validation letter, but claimed that she never received it and that the debt was never reported to the credit bureaus as disputed.
Feeling harassed by Quality Asset Recovery, LLC, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you ever see either of these numbers on your caller ID when the phone rings, be aware that you are being called by Quality Asset Recovery, LLC. If they fail to send you a debt validation letter or report the account as disputed to the credit bureaus, contact a consumer attorney immediately. If you decide to file a claim against Quality Asset Recovery, LLC, you could potentially win $1,000 per FDCPA violation plus court costs and reasonable attorney fees. Fighting for your rights could get you the compensation you deserve.
*Case taken from PACER (www.pacer.gov). File number is Case 1:12-cv-05683-SJ-RER from the United States District Court for the Eastern District of New York.
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 Quality Asset Recovery, LLC, or any other third-party collection agency, you may not be entitled to any compensation.