Are you being called by Recovery Solutions Corp.?* Here's what you need to know
When you’ve lost your job, keeping up with your debt payments can be challenging and even impossible. When you’re no longer able to make the minimum payments, there is a high likelihood that a debt collector will soon be assigned to your collecting your outstanding accounts. If this happens, it is important to know your rights as an indebted consumer.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 after debt collector harassment reached an all-time high. In addition to giving you the right to dispute a debt and request its validation, it prohibits actions like the following and penalizes collection agencies that use them to settle a debt.
- Using profane and obscene language
- Contacting your friends, family and co-workers and discussing the debt with them
- Threatening to call your company’s payroll department and garnish your wages
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Pretending to be attorneys, police officers, or federal agents
- Failing to identify themselves during each communication as a debt collector seeking to collect a debt
Company Profile: Recovery Solutions Corp.
If you are being called by Recovery Solutions Corp., information about the company is below.
Recovery Solutions Corp.. is a debt collection company located in Mason, Ohio. It opened for business in 2001, has less than 10 employees, and collects consumer debt across the country.
According to litigation records retained by the PACER (Public Access to Court Electronic Records) website, people who felt they were being harassed by Recovery Solutions Corp.. commenced legal action.
Alleged Violations against Recovery Solutions Corp.
According to PACER, on or around October 16, 2008 Recovery Solutions Corp. called an Ohio woman’s husband to collect a consumer debt included in a bankruptcy. The man indicated that she was represented by a bankruptcy attorney and provided the attorney’s contact information. Despite this step, collectors allegedly called again and threatened to garnish her wages if she did not pay the debt immediately.
Feeling harassed by Recovery Solutions Corp., the plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using unfair and unconscionable means to collect a debt
- Threatening action that could not legally be taken
- Using false, deceptive and misleading means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-513-268-1047. If it shows up on your caller ID when the phone rings, you are being called by Recovery Solutions Corp., presumably about a debt you are believed to owe. If they attempt to collect a debt included in an earlier bankruptcy, contact a consumer attorney. If you decide to file a claim against Recovery Solutions Corp.. and win, you could receive compensation of $1,000 per FDCPA violation in addition to attorney fees and other legal costs. When a collection agency refuses to believe that you are the wrong person, going to court can give them the proof they need.
*Case taken from PACER (www.pacer.gov). File number is Case: 3:09-cv-00254-SLO from the United States District Court for the Southern District of Ohio, Western 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 Solutions Corp.. or any other third-party collection agency, you may not be entitled to any compensation.