If you're getting calls from Recovery Management Services, Inc., you may want to know about your rights.
If debt collectors are harassing you daily about an overdue credit card account or medical bills, you may feel like declaring bankruptcy to make it all stop.
Before you take that drastic step, contact a consumer attorney to discuss your situation, because it is illegal for collection agencies to harass consumers.
Your Rights Under the FDCPA
Prior to 1977, debt collectors were making so many consumers declare bankruptcy that the Fair Debt Collection Practices Act, or FDCPA, was passed to regulate the way collection activities were carried out.
Under the FDCPA, third-party debt collectors may not use tactics like those below to intimidate you into paying.
- Threatening action they are not in a position to legally take
- Using profane or obscene language
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Maliciously reporting inaccurate information to the credit bureaus
- Trying to collect after you have formally disputed a debt
- Refusing to validate the debt and prove that they are authorized to collect it
Company Profile: Recovery Management Services, Inc.
Recovery Management Services, Inc. is a debt collection agency located in Warrenville, Illinois. It was established in 1998, has less than 10 employees, and is managed by its owner, Mary Mickus.
A close examination of litigation files archived at the PACER (Public Access to Court Electronic Records) website suggests that consumers who believed they were being harassed by Recovery Management Services, Inc. refused to let themselves to bullied into payments they did not owe or could not afford.
Alleged Violations By Recovery Management Services, Inc.
According to PACER, on or about January 21, 2017, Recovery Management Services, Inc. sent an Illinois resident a debt collection letter. On February 3, she wrote back to state that she refused to pay the debt. Despite this refusal, on February 24, the agency sent her another letter demanding money.
Feeling harassed by Recovery Management Services, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Trying to collect after she had refused to pay
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If you see either one on your caller ID, it is a heads-up that you may be getting a call from Recovery Management Services, Inc.
If they insist on chasing you for payment after you have made it clear that you refuse to pay, contact a consumer attorney who can guide you as you file a claim against Recovery Management Services, Inc. If you win your case, you may receive $1,000 per FDCPA violation, plus court costs and reasonable attorney fees.
Never presume that owing money makes you a target of abuse. When debt collectors refuse to respect your rights, you can compel the matter in court.
**Case taken from PACER (www.pacer.gov). File number is Case: 1:17-cv-02675 from the United States District Court for the Northern District of Illinois, Eastern 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 Recovery Management Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.