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Is TLRA Debt Recovery calling you? Defend your rights!

If you run into hard times financially and become delinquent on your credit card, student loan, or medical debt payments, these accounts will eventually be turned over to a third-party collection agency or charged off entirely and sold to a ‘junk’ debt buyer.

Either way, you will soon be receiving calls and letters from debt collectors who do not always use a civil approach.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, places certain limits on what debt collectors may say and do when trying to collect a debt from you. If they do any of the following, they are breaking the law:

  • Using profane or obscene language
  • Calling you at work after you tell them that you can’t talk to them there
  • Discussing the debt with uninvolved third parties like your friends, family and neighbors
  • Making threats they have no intention of following up on, such as seizing your house or having you arrested
  • Failing or refusing to identify themselves as debt collectors trying to collect a debt
  • Trying to collect amounts that exceed the original debt

Company Profile: TLRA Debt Recovery

TLRA Debt Recovery is a collection agency located in Houston, Texas. It was founded in 1972, collects consumer debts all over the nation, and is managed by its Director, Debbie Nash.

Records on file at the PACER (Public Access to Court Electronic Records) website confirm that TLRA Debt Recovery has been accused of violating consumer rights during the debt collection process.

Alleged Violations by TLRA Debt Recovery

Bridget Sparks vs. TLRA Debt Recovery

Towards the end of 2012, TLRA Debt Recovery contacted Texas resident Bridget Sparks in an attempt to collect a consumer debt. The collector in question allegedly made empty threats of legal action with misleading immediacy in regards to how soon she would be sued if she did not pay.

She also complained that the company took a payment from her after promising that it would be applied to the alleged debt, an event that never came to pass.

Upset at the aggressive manner in which the alleged debt was being collected, Ms. Sparks finally hired a consumer attorney and sued TLRA Debt Recovery for violating the FDCPA in the following ways:

  • Threatening to take action that could not be legally taken at the time and was not intended to be taken
  • Engaging in unfair and/or unconscionable means to collect, or attempt to collect, a debt
  • Using false, deceptive, and misleading means to collect a debt

The matter was later settled.

Hire an Attorney

The phone numbers for TLRA Debt Recovery are:

If either of these numbers appear on your caller ID when the phone rings, it means that a debt collector may be on the line. If they threaten legal action and use other bullying tactics to get you to pay the debt, hire an attorney.

Harassing indebted consumers is illegal under the FDCPA, and if the matter goes to court you could receive $1,000 per FDCPA violation as well as attorney’s fees, court costs, and any actual damages.

If TLRA Debt Recovery goes too far with you, a judge could order them to pay you instead.

*Case taken from PACER (www.pacer.gov). File number is 4:13-cv-02445 from United States District Court for the Southern District of Texas, Corpus Christi Division

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 TLRA Debt Recovery, or any other third-party collection agency, you may not be entitled to any compensation.

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