The average household in the U.S. contributes nearly 9% of their income towards paying down interest on credit cards. This is difficult enough to accomplished when you are employed, but if you lose your job and can't maintain the payments, debt collectors will soon be calling and, very likely, making things worse for you. If you let them.
Your Rights Under the FDCPA
If a debt collector is harassing you, they’re actually breaking federal law. The Fair Debt Collection Practices Act, or FDCPA, prohibits abusive tactics like the following when used to collect a debt.
- Using profane or obscene language
- Telling you that you can be arrested for not paying your debts
- Calling you at work if they know or have reason to know what such calls are not allowed
- Telling your friends and family that you owe money
- Threatening action they cannot legally take or have no intention of taking
- Leaving voice messages that do not identify the collector and the purpose of their call
Company Profile: S&S Recovery
If you are being called by S&S Recovery, information about the company is below.
S&S Recovery is a debt collection agency located in Memphis, Tennessee. It was established in 1984, has approximately 20 to 49 employees, and is managed by Jason Woodall.
According to court files digitized and archived at the PACER (Public Access to Court Electronic Records) website, many consumers who believed they were being harassed by S&S Recovery chose to stand up for themselves instead of back down.
Alleged Violations against S&S Recovery
Lindsey Barnette vs. S&S Recovery*
According to PACER, in September 2009 S&S Recovery started trying to collect a debt from a Louisiana resident by calling her repeatedly at work. She kept asking them to stop because such calls were not permitted at her workplace, but the calls allegedly continued.
On one occasion, a collector allegedly threatened her with a lawsuit.
Feeling harassed by S&S Recovery, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Calling her at work despite being told to stop
- Threatening legal action when none was ever intended
- Using oppressive and harassing means to collect a debt
The matter was later settled.
Hire an Attorney
The phone number for this debt collection agency is:
If you see either number on your caller ID when the phone rings, you are being called by S&S Recovery. If they harass you at work despite being told to stop, contact a consumer attorney right away.
Abusing consumers in this manner violates the FDCPA, and if you file a claim against S&S Recovery, you may be awarded $1,000 per FDCPA violation. In cases like this, failure to respect your rights could turn out to be an expensive mistake.
Case taken from PACER (www.pacer.gov). File number is Case 3:11-cv-00717-RGJ-KLH from the United States District Court for the Western District of Louisiana.
*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 S&S Recovery, or any other third-party collection agency, you may not be entitled to any compensation.