The Consumer Financial Protection Bureau constantly receives complaints about debt collectors. Some consumers complain of being sworn at and called names while others claim that they are being asked to pay a time-barred debt. If you find yourself in such a situation, know your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, has been protecting indebted consumers since 1977. It gives you the right to dispute a debt and request no more contact from a collection agency, and outlaws the use of collection methods like those below.
- Using profane and obscene language
- Discussing the debt with anyone except you, your spouse, or your attorney
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
- Pretending to be attorneys, police officers, or federal agents
- Contacting you at your workplace after being advised that such calls are not permitted
- Threatening to ruin your credit or have you arrested.
Company Profile: Titan Recovery Group
If you are being called by Titan Recovery Group, here are some additional company details.
Titan Recovery Group, which also does business as Titan Management Services, is a debt collection agency in Duluth, Georgia. It was founded in 2003, has 18 employees, and has referenced on consumer complaint boards. Records on the PACER website suggest that consumers who believed that they were being harassed by Titan Recovery Group took their case to court.
Alleged Violations against Titan Recovery Group*
According to information on the PACER website, on or around February 17, 2007, Titan Recovery Group sent a collection letter to a New Jersey consumer. She alleged that the letter did not clearly identify the original creditor and misrepresented her dispute rights.
Feeling harassed by Titan Recovery Group, the consumer took legal action against the agency for:
- Failing to clarify the name of the original creditor
- Misrepresenting her dispute rights
The matter was later settled.
Hire a Consumer Lawyer
The phone number for Titan Recovery Group is 1-770-476-3230. If it shows up on your caller ID at any time, it means that Titan Recovery Group is calling. If they send demand letters that do not clarify who you owe the money to and how you can dispute the claim, hire a consumer lawyer and file a claim against Titan Recovery Group. You could potentially receive $1,000 per violation plus damages for embarrassment and humiliation and any associated court costs, so act on your rights.
*Case taken from PACER (pacer.gov). File number is Case 3:07-cv-05269-AET-TJB from the United States District Court for the District of New Jersey.
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 Titan Recovery Group or any other third-party collection agency, you may not be entitled to any compensation.