Prior to 1977, consumers were at the mercy of unethical debt collection agencies that used harassment and intimidation to coerce consumers into paying off delinquent credit card and personal loan balances. Some of the tactics used by third party debt collectors included using abusive language over the phone, as well as shaming consumers by contacting family members about outstanding debts. Leading up to 1977, a growing number of consumers voiced their displeasure with the rigged debt collection system. In response to consumer discontent, the United States Congress passed the consumer Bill of Rights on September 20, 1977.
According to the Fair Debt Collection Practices Act (FDCPA), bill collectors like Recovery Solutions Group are not allowed to call consumers repeatedly throughout the day. The FDCPA also limits the time when debt collection agencies can call consumers at home and at work. If you receive a phone call from Recovery Solutions Group after nine at night and before eight in the morning, you should speak with a licensed consumer protection lawyer who specializes in litigating FDCPA cases.
How to Report an FDCPA Violation against Recovery Solutions Group
By consulting with a highly rated FDCPA attorney, you have taken the important first step towards filing a report against Recovery Solutions Group. The next step requires your attorney to go through the proper channels to ensure your voice is heard. Under the FDCPA, the Federal Trade Commission (FTC) makes sure third party debt collectors comply with the landmark federal consumer protection law. Your lawyer will send a report to the FTC that describes in detail every violation of the FDCPA committed by a bill collector. A detailed account of the FDCPA violations can include phone records and copies of the letters you received from Recovery Solutions Group.
Filing a Report with the Better Business Bureau
As the preeminent consumer advocacy organization, the Better Business Bureau (BBB) offers both consumers and businesses several invaluable services. For consumers, perhaps the most important service is the feedback page uploaded for every American business that is registered with the BBB. Your FDCPA lawyer can file a report with the BBB that ends up becoming feedback original creditors can use when evaluating debt collection agencies. Enough negative feedback will make Recovery Solutions Group lose credibility among original creditors.
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What Legal Options Do You Have against a Third Party Debt Collector?
In addition to outlawing previously acceptable debt collection practices, the FDCPA grants consumers the right to file claims against bill collectors. After a meticulous review of your case, your FDCPA attorney might opt to file a claim against Recovery Solutions Group. Filed in a civil court, a FDCPA claim will require your lawyer to present compelling evidence that a debt collection agency violated one or more provisions of the federal consumer protection law. This means you have to collect physical evidence like tape recorded conversations demonstrating clear FDCPA violations. Just make sure you live in a one party consent state to tape record a phone conversation with a third party debt collector.
Do not wait for a third party debt collector to file a lawsuit against you. Contact a FDCPA attorney today to file a report describing violations of the groundbreaking consumer protection law.
Additional Resources
*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 Recovery Solutions Group or any other third-party collection agency, you may not be entitled to any compensation.