Have you been contacted by Vital Recovery Services about a debt you owe? If so, it pays to check carefully whether the amount the debt collector is attempting to recover is accurate. Sometimes, debt collectors get details wrong and even try and recover debts from the wrong person.
Debt collectors like Vital Recovery Services are regulated by the Fair Debt Collection Practices Act (FDCPA) which was first enacted back in 1978, but it has been strengthened since then. It helps to protect debtors from unscrupulous debt collection agents.
These include hours when contact can be made, the necessity of a debt validation letter and the debt collector must cease contact if requested to do so by the debtor. If you think the debt collector has violated the FDCPA you can sue the agency and recover up to $1,000 in damages plus legal costs.
Vital Recovery Services – Company Profile
Vital Recovery Services has been in operation as a debt collection agency for17 years. It is a multi-location business, but its headquarters are currently in Berkeley Lake Georgia.
The Better Business Bureau (BBB) has a company profile of Vital Recovery Services and has given it an A+ rating based on customer reviews and complaints. BBB has details of 42 complaints made against the company, many of them about debts that have already been resolved or are in dispute with the creditor.
![Did Vital Recovery Services* Not Validate Your Debt?]()
What Is a Debt Validation Letter? And Why Do You Need It?
A debt collector is expected to provide full details of the debt they claim you owe. This should be done before they start calling you, but sometimes they do not provide any details until you request them.
To check whether a debt is valid, you should send a debt verification request in writing to the debt collection agency. Send it by registered mail as this will confirm the date the request was made. The agency must respond within 5 days of receipt of the request and provide a debt validation notice.
The validation is a full description of the amount of debt owed, who the creditor is, the debt repayment options and what the debt was for. If there is no response or the agency takes too long to respond, you have the right to take legal action with the help of an attorney.
The FDCPA allows you to file a lawsuit against the agency within 1 year of any violation of the Act. This does not affect your responsibility to pay back the debt you owe to the creditor.
Talk to an Attorney Today
It can be hard knowing how to sue a debt collector unless you have had prior legal training. A lawsuit can fail if insufficient evidence is available or the facts are disputed. It is best to talk to a knowledgeable consumer law attorney who has experience with dealing with FDCPA cases first before filing the lawsuit. Fill out our Free Case Evaluation to be connected with an FDCPA attorney who handles consumer law cases in your state.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Vital Recovery Services, or any other third-party collection agency, you may not be entitled to compensation.
Additional Resources