Are you being called by Total Credit Recovery USA Group, Inc.?* Here's what you need to know
Being in debt does not mean you are a loser or deadbeat, but tell that to the debt collectors who abuse consumers on a routine basis. If you find yourself on the receiving end of such mistreatment, the first thing you should do is understand that it is illegal. The second is call a consumer attorney.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect indebted consumers from being abused and harassed by third-party debt collectors. It prohibits actions like the following when used to settle a debt.
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Threatening action they cannot legally take or have no intention of taking
- Using profane or obscene language
- Talking to uninvolved parties such as your friends, family, and co-workers about the debt
- Contacting you after you have sent a cease and desist letter
- Reporting false information to the credit bureaus
Company Profile: Total Credit Recovery USA Group, Inc.
If you are being called by Total Credit Recovery USA Group, Inc., information about the company is below.
Total Credit Recovery USA Group, Inc. is a debt collection company located in Rockville, Maryland. It was established in 2000, is managed by Ronald D. Jacobs, who is also a principal attorney at the firm of Weinberg Jacobs. Civil litigation records retained by the PACER (Public Access to Court Electronic Records) website suggest that a percentage of American consumers who felt they were being harassed by Total Credit Recovery USA Group, Inc. chose to fight back in court.
Alleged Violations against Total Credit Recovery USA Group, Inc.
Martha Billingsley vs. Total Credit Recovery USA Group, Inc.*
According to PACER, in June 2007 Total Credit Recovery USA Group, Inc. sent Alabama resident Martha Billingsley a demand letter for $4,057.40 to settle a credit card debt. She later complained that collectors for the company called one of her friends on a routine basis, disclosing information about the alleged debt.
Feeling harassed by Total Credit Recovery USA Group, Inc., Ms. Billingsley hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Discussing the alleged debt with third parties
- Using harassing and oppressive means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see either one on your caller ID, it means that you are being called by Total Credit Recovery USA Group, Inc.. If they share details of your alleged debt with uninvolved third parties, hire a consumer attorney who can help you assert your rights. If you file a claim against Total Credit Recovery USA Group, Inc. and the court rules in your favor, you could receive $1,000 per FDCPA violation in addition to court costs associated with the action. When a debt collector tramples on your rights, a consumer attorney will guide your fight for compensation.
*Case taken from PACER (www.pacer.gov). File number is Case 2:08-cv-00213-WMA from the United States District Court for the Northern District of Alabama, Southern 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 Total Credit Recovery USA Group, Inc., or any other third-party collection agency, you may not be entitled to any compensation.