Although the economy is growing, thousands of Americans struggle with debt. If you are receiving calls and letters from debt collectors, it’s important to know that they have to be professional and ethical when dealing with you. To behave otherwise is illegal and many collection agencies would prefer that you didn’t know that.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, provides rights and protections to indebted consumers. Third-party collection agencies are prohibited from using tactics like the following to make you pay:
Threatening legal action they cannot take or have no intention of taking
Threatening to call your company’s payroll department and garnish your wages
Calling you at inconvenient times and places
Swearing, raising their voice, and calling you names
Claiming that you owe an amount that’s not supported by law or the original creditor agreement
Harassing you even after you have retained an attorney regarding the debt
Company Profile: Recovery of Judgment, LLC
If you are being called by Recovery of Judgment, LLC take note of the information below.
Recovery of Judgment, LLC is a debt collection company located in New York, New York. It was established in 2008, has fewer than 10 employees, and is managed by its President, Shawn Porat. Records retained by the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Recovery of Judgment, LLC were quick to stand up for themselves.
Alleged Violations against Recovery of Judgment, LLC
According to PACER, in or around March 2009 Recovery of Judgment, LLC began trying to collect a debt from a New York resident. He later complained that collectors left messages that did not disclose the name of the company they worked for or the fact that they were seeking to collect a debt. He was also upset that all letters came in an envelope that had ‘Recovery of Judgment,’ accompanied by a gavel icon, in the return address section.
Feeling harassed by Recovery of Judgment, LLC, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
Failing to identify itself as a debt collector in all communications
Using symbols on the envelope that suggested the sender was a debt collector
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see any of these numbers on your caller ID, it means that you are being called by Recovery of Judgment, LLC. If they leave messages that fail to disclose who they are and why they were calling or send letters in envelopes that make it obvious that the sender is a debt collector, hire a consumer attorney who can help you file a claim against Recovery of Judgment, LLC. You could end up being awarded $1,000 per FDCPA violation, plus court costs and attorney fees. Standing up for yourself when a collection agency goes too far is definitely in your best interests.
*Case taken from PACER (www.pacer.gov). File number is Case 1:11-cv-02150-BMC 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 Recovery of Judgment, LLC or any other third-party collection agency, you may not be entitled to any compensation.