Are you being called by Round Two Recovery, LLC?* Here's what you need to know.
Being chased by a debt collector is one of the most stressful experiences imaginable, especially if they bully, harass, or try to intimidate you into paying. These collectors will send rude letters, call you at inconvenient times, and call your friends and family specifically to embarrass you. This happens to you, don’t assume that you have to tolerate such abuse, because you don’t.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act (FDCPA), which was designed to combat abusive conduct on the part of third-party collection agencies. This consumer protection law made it illegal to use methods like the following to collect a debt:
- Raising their voice and making threats they have no intention of following up on
- Refusing to prove that a debt is valid and they are authorized to collect it
- Threatening to damage your reputation and credit rating
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing the debt with anyone except you, your spouse, or your attorney
- Demanding amounts that exceed the amount of the original debt
Company Profile: Round Two Recovery, LLC
If you are being called by Round Two Recovery, LLC, information about the company is below.
Round Two Recovery, LLC is a debt collection agency located in Oklahoma City, Oklahoma. It was established in 2003, has less than 10 employees, and is managed by its owner, Bob Anderson. It also has an F rating with the Better Business Bureau. According to records archived at the PACER (Public Access to Court Electronic Records) website, people who believed they were being harassed by Round Two Recovery, LLC responded by suing the company for compensation.
Alleged Violations against Round Two Recovery, LLC
According to PACER, in or around early 2015, a New York resident received a collection letter from Round Two Recovery, LLC. This communication listed a creditor of GE Money Bank but stated that the account is “now legally owned by Velocity Investments, LLC.”
Because the letter failed to explicitly identify the name of the creditor to whom the debt was owed, he was confused about the next step. Feeling harassed by Round Two Recovery, LLC, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to send a debt validation letter after the first communication
- Using false, deceptive and misleading means to collect a debt
A judge ruled in favor of the plaintiff and ordered Round Two Recovery, LLC to pay him $3,041.
Hire an Attorney
The phone number for this collection agency is 1-405-763-5777. If it appears on your caller ID when the phone rings, it means that you are being called by Round Two Recovery, LLC. If they fail to clarify creditor information or be transparent regarding your rights, hire a consumer attorney. If you file a claim against Round Two Recovery, LLC and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. You have rights, and debt collectors who violate them face consequences.
*Case taken from PACER (www.pacer.gov). File number is Case 2:15-cv-03693-JS-AKT 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 Round Two Recovery, LLC, or any other third-party collection agency, you may not be entitled to any compensation.