Getting a call from a debt collector is never a great experience. Even if you can now afford to pay the account, you’re naturally embarrassed. If you don’t owe the money or can’t afford to pay it, the situation can become more hostile.
Therefore, it is important to be aware of your rights when dealing with collection agencies.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) allows a debt collector to seek payment for a legitimate debt but does not permit bullying, deceit, or harassment. Tactics like the following are prohibited and using them can result in penalties.
- Swearing, shouting at you, and calling you names
- Contacting you at work despite knowing that personal calls are not allowed there
- Discussing your debt with your friends, neighbors, and co-workers
- Contacting you after you have formally requested that all communications cease
- Failing or refusing to identify themselves as debt collectors
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
Company Profile: States Recovery Systems, Inc.
If you are being called by States Recovery Systems, Inc., information about the company is below.
States Recovery Systems, Inc. is a debt collection company located in Rancho Cordova, California. It was established in 1988, has 50 to 99 employees, and is managed by its President, John Yaklin.
Records viewable at the the PACER (Public Access to Court Electronic Records) website confirms that some consumers who felt they were being harassed by States Recovery Systems, Inc. sued the company to bring the unwanted contact to an end.
Alleged Violations against States Recovery Systems, Inc.
According to PACER, in or around early 2012, States Recovery Systems, Inc. started trying to collect a debt from a California woman. She later complained that collectors called her at work despite being informed that such calls were prohibited, would demand immediate payment even during the dispute period, and used abusive language when she was unable to pay.
Feeling harassed by States Recovery Systems, Inc., the plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Calling her at work even through such calls were not allowed
- Using harassing and abusive means to collect a debt
- Using profane or obscene language
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If either of these numbers appear on your caller ID, it means that you are being called by States Recovery Systems, Inc.. If they use abusive language, call you constantly at work, and harass you in general, hire a consumer attorney.
If you file a claim against States Recovery Systems, Inc. and prevail in court, you could be awarded $1,000 per FDCPA violation plus applicable court costs. Never tolerate abuse from a debt collector, no matter how much you allegedly owe.
Case taken from PACER (pacer.gov). File number is Case 2:12-cv-02121-KJM-CKD from the United States District Court for the Eastern 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 States Recovery Systems, Inc., or any other third-party collection agency, you may not be entitled to any compensation.