If you have not been able to pay your monthly bills on time and you have also been wrongly accused of owing a debt, you shouldn’t panic. There are resources available to help you and your family from being harassed to repay the debt. You are covered by the Fair Debt Collection Practices Act (FDCPA) which pledged to stop third-party debt collectors from using intimidation and harassment of consumers and their loved ones in order to collect a debt whether the money is owed or not.
As it stands, not every debt collector abides by the FDCPA. If you believe that a debt collector from Vital Recovery Services has been putting undue pressure on you through harassment you might be eligible to file an FDCPA lawsuit to recover damages due to the unlawful action of Vital Recovery Services.
About Vital Recovery Services Collection Agency
Vital Recovery Services is based in Atlanta, Georgia, but works throughout the country. It specializes in collecting debts for the automotive finance industry, utilities and credit card industries. According to the Better Business Bureau it received 41 complaints about the debt collector in the last 3 years, 13 of those complaints were closed in the last year. One of the most common FDCPA violations was calling a consumer far too often and during anti-social hours.
![Did Vital Recovery Services Threaten You?*]()
What is Considered a Threat?
The FDCPA clearly states the sorts of threats that debt collectors are not permitted to use against consumers who owe a debt. If Vital Recovery Services is involved in taking part in any of the following actions, it is violating the FDCPA:
- using any kind of violence or criminal activity that may physically harm or damage a debtor’s credibility;
- threatens to confiscate your property;
- threatens to recoup the debt by asking your employer to allow it to garnish your wages;
- threatens to call a police officer to have you arrested because you have failed to pay a debt;
- goes ahead with revealing the names of debtors to the public including yours then threatens everyone on the list with legal action.
Damages You May Be Entitled to
You stand to be awarded $1,000 in statutory damages if you take your case of harassment to court. The court may also award actual damages. Included in this could be physical and emotional damages and compensation for any wages you have lost and any wage garnishment that has taken place. The court may require that the debt collector you’re your attorney fees. When awarding compensation for physical damage this covers easy to see afflictions like serious, chronic headaches, rashes and conditions related to heart conditions and blood pressure. If your attorney sees you are suffering stress and anxiety due to the threats imposed on you from Vital Recovery Services, s/he may file for emotional damages on your behalf.
End the Threats Today
If you think that Vital Recovery Services has threatened you in some way to recover a debt you owe, it will face legal repercussions. You should talk to an FDCPA attorney who is a specialist in creditor harassment to find out more about your rights and how you can prevent Vital Recovery Services from harassing you. Fill out our Free Case Evaluation to be connected with an FDCPA attorney who handles consumer law cases in your state.
Additional Resources
*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.