Is Recovery Solutions Group Calling You? Find out how to resist harrasment!
People become heavily indebted for reasons beyond their control, such as job loss, severe illness, or an expensive crisis like divorce. Once you miss a certain number of payments, your creditors will usually assign the accounts to third-party debt collectors or sell them to junk debt buyers.
In either event, collectors will soon be calling you regularly, and not all of them are civil.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates how third-party debt collectors may collect a consumer debt. They are required to be professional at all times, and are prohibited from using pressure tactics like the following:
- Using obscene or profane language
- Calling you inconvenient times and places
- Contacting them at their workplace after being advised that such calls are not permitted
- Demanding amounts inflated by unauthorized fees
- Threatening action they are not in a position to legally take
- Discussing the debt with anyone except the consumer, their attorney, or their spouse
Company Profile: Recovery Solutions Group
Recovery Solutions Group is a debt collection agency headquartered in Harrington, Delaware. It was established in 2012 and is managed by its CEO, Rob Sowers.
Records on file at the PACER (Public Access to Court Electronic Records) website indicate that indebted consumers have accused Recovery Solutions Group of violating their rights during certain debt collection attempts.
Alleged Violations against Recovery Solutions Group
According to PACER records**, in March 2015, Recovery Solutions Group began contacting a New Jersey resident by phone and email in an attempt to collect a debt. Emails sent on March 10 and 13, 2015, which were later submitted as an exhibit, did not state the communication was from a debt collector.
The March 13 email stated that the principle balance was $596.01 and then added fees, bringing the balance to $805.69.
In August 2015, Recovery Solutions Group sent a collection letter to her. It gave her only seven days instead of 30 to dispute the debt and stated in part, “Upon receipt of a judgment, our counsel will move to attach any and all assets...Since that would include...real estate... we have retained a private investigator to identify any and all assets for attachment”.
The statement appeared to imply that Recovery Solutions Group or their client could sell any real estate owned by Ms. Jackson to satisfy a $660.00 debt. In the NJ Special Civil Part, real estate cannot be sold to satisfy a debt.
On another occasion, the consumer spoke with a “Jennifer” who stated she could “garnish (her) wages” and also stated “I can hang up on you now and not take any of your calls.”
She hired a consumer attorney and sued Recovery Solutions Group for the following alleged FDCPA violations:
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive and misleading means to collect a debt
- Failing to send the required validation notice within five days of the first contact
The matter was later dismissed.
Hire an Attorney
The phone numbers for Recovery Solutions Group are:
If you see either number on your caller ID when your phone rings, a debt collector may be trying to contact you. If they use bullying language and demand amounts that exceed the original debt, hire a consumer attorney.
Such harassment is against the law, and a judge could compel the debt collectors to pay you $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages.
When it comes to debt collectors, fighting back can literally pay off.
**Case taken from PACER (www.pacer.gov). File number is Case 1:15-cv-06624-RBK-JS from United States District Court for the District of New Jersey
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Recovery Solutions Group or any other third-party collection agency, you may not be entitled to any compensation.