Vital Recovery Services is a collection agency that collects past due debts that were obtained from the original creditor. If they are trying to collect from you, they may violate laws and it could become harassment.
If they start calling you repeatedly, they are violating the Fair Debt Collection Practices Act (FDCPA). You may be able to file a claim against Vital Recovery Services to recover damages.
If this describes your situation, consult with an FDCPA lawyer who handles such cases in your area so the harassment can be put to an end.
Phone Harassment That is FDCPA Violation
The FDCPA was enacted by Congress to protect consumers. The Act was created to put an end to unscrupulous debt collections. There are several ways that Vital Recovery Services can violate the FDCPA while trying to collect debts.
If they call you repeatedly, it may be considered harassment. If they call you earlier than 8 a.m. or later than 9 p.m., they are violating the FDCPA. If the collections representative claims to be law enforcement or alleges that they will arrest you, they have violated the FDCPA.
If a debt collector, such as Vital Recovery Services violates the FDCPA, they could face harsh fines and strong penalties from the Federal Trade Commission (FTC). The FTC oversees collection agencies, making sure they obey the FDCPA and state collection laws.
Keep detailed records and documentation about the calls and mail received from Vital Recovery Services. Always have a notebook nearby, so you can jot down the date and time of the call, the name of the caller, and a summary of the conversation.
Ways to Stop Harassing Phone Calls from Vital Recovery Services
If Vital Recovery Services violated the FDCPA, get help to fight them. You don’t have to tolerate Vital Recovery Service’s threats and harassment. You have options available, such as ignoring the calls completely.
You can hang up on disrespectful callers or record the call after you tell them that you plan to do so. Send a formal written notice, called a cease and desist, telling Vital Recovery Services that they cannot contact you again.
If after sending a cease and desist to Vital Recovery Services they continue to contact you, they are violating the FDCPA. You should notify Vital Recovery Services of your intent to file legal action against them as well as file a complaint with the FTC if they don’t stop harassing you.
Damages You May Be Entitled To
If Vital Recovery Services has violated the FDCPA, you could be entitled to damages. The FDCPA violation could result in lost wages, emotional distress, or physical distress.
You might be able to ask for Vital Recovery Services to pay your attorney costs as well as statutory damages, which are dependent upon the circumstances surrounding your case.
Consult With An FDCPA Attorney
If the FDCPA has been violated by Vital Recovery Services during the debt collection process, you should consult with an FDCPA lawyer in your area.
With the help of an FDCPA attorney, you are going to succeed with stopping the harassment and getting your claim on track.
*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 Vital Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.