It’s not surprising that debt collectors have a negative reputation, as the methods they use are often questionable. A review of consumer complaint boards is all it takes to confirm that unethical collection tactics are practically the norm, although they violate federal law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) restricts what third-party debt collectors can say or do while collecting or attempting to collect debt payments from a consumer. Under the FDCPA, the following actions are prohibited:
- Using obscene and profane languages
- Calling someone at work after being informed that such calls are prohibited
- Threatening legal actions they cannot take or have no intention of taking
- Telling uninvolved third parties that the consumer they are trying to contact owes a debt
- Contacting someone who has formally requested that all communications cease
- Calling before 8:00 a.m. or after 9:00 p.m. in the consumer’s time zone
Company Profile: Reliance Recoveries
If you are being called by Reliance Recoveries, information about the company is below.
Reliance Recoveries, which also does business under the name of Accounts Receivable Services, LLC is a debt collection agency located in Brooklyn Center, Minnesota. It was established in 1968, has less than 10 employees, and is managed by its Collection Manager Bonnie Drennen.
Civil litigation files retained by the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Reliance Recoveries dealt with the collection demands by suing the company in federal court.
Alleged Violations against Reliance Recoveries
According to PACER, on August 20, 2014 Reliance Recoveries sent a Minnesota resident a collection letter for a medical debt. The letter listed a total amount due as $2,376.30. His health insurance policy had paid a significant portion of this obligation and he believed that the amount he actually owed was much less.
Feeling harassed by Reliance Recoveries, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Attempting to collect an amount not supported by law or the creditor agreement
- Using false, deceptive, and misleading means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are:
If any of these numbers appear on your caller ID, it means that you are being called by Reliance Recoveries. If they try to collect a larger amount than you actually owe, hire a consumer attorney. Such collection tactics violate the FDCPA.
If you file a claim against Reliance Recoveries with your attorney’s assistance and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. No one deserves to be harassed and embarrassed, no matter how much money they owe.
*Case taken from PACER (www.pacer.gov). File number is Case 0:14-cv-04049-PJS-BRT from the United States District Court for the District of Minnesota.
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 Reliance Recoveries, or any other third-party collection agency, you may not be entitled to any compensation.