If your hours are cut back at work and you haven’t been able to pay your bills in three months, you’ll soon be hearing from a collection agency. While it is legal for them to contact you and request payment, if they harass you they have broken the law and you can take action.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal law that protects consumers from debt collection practices that are unfair, unconscionable, and abusive. It was enacted in 1977 and forbids practices like those below.
- Causing your phone to ring at all hours
- Using hostile and obscene language
- Contacting you directly after you retain a lawyer
- Contacting you even after you dispute a debt
- Refusing to validate the debt and prove that they are authorized to collect it
- Discussing the debt with your family, friends, and co-workers
Company Profile: Simplified Revenue Recovery, LLC
If you are being called by Simplified Revenue Recovery, LLC, more information about the company is below.
Simplified Revenue Recovery, LLC is a debt collection agency and division of Rent Dynamics located in Logan, Utah. It opened for business in 2012, has 20 employees on staff, and is managed by its President, Quincy Rich.
The company specializes in collecting rental debt. Legal records at the PACER website confirm that consumers who believed they were being harassed by Simplified Revenue Recovery, LLC took their complaints to court.
Alleged Violations against Simplified Revenue Recovery, LLC
According to PACER, on or around January 9, 2015, Simplified Revenue Recovery, LLC sent an email to a California consumer seeking payment for a rental debt. The original creditor’s claim had been dismissed in a previous court action but this demand was followed in February 2015 by a letter that threatened to take further "collection actions" beyond sending letters or making a credit report.
The consumer sent a dispute letter on or around March 13, 2015, and requested verification of the debt, but no verification allegedly came.
Feeling harassed by Simplified Revenue Recovery, LLC, the consumer took legal action against the agency, claiming that it:
- Contacting her after she disputed the debt
- Used false, deceptive, and misleading means to collect a debt
- Threatening legal action it did not intend to take
- Failing to send her a debt validation letter
The matter was later dismissed.
Hire a Consumer Lawyer
The phone number for this collection agency is 1-888-518-9933. Seeing it on your caller ID means that Simplified Revenue Recovery, LLC is trying to reach you. If they harass you over a debt that they cannot legally collect, protect your rights by hiring a consumer lawyer and filing a claim against Simplified Revenue Recovery, LLC.
When a collection agency violates the FDCPA it could be ordered to compensate you, so taking action can be well worth it.
Case taken from PACER (pacer.gov). File number is Case 3:15-cv-02449-DMS-JLB from the United States District Court for the Southern District of California.
*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 Simplified Revenue Recovery, LLC or any other third-party collection agency, you may not be entitled to any compensation.