Whether or not you are the rightful owner of a debt, there are few things more oppressive than receiving harassing communications from a debt collector. Agencies undertaking the task of collecting on debt for their clients often implement harassing tactics that leave consumers feeling scared, anxious, and overwhelmed.
If a debt collection agency like Collection Receivables, Inc. harasses you, work with a consumer protection lawyer at Agruss Law Firm to end the harassment. Our skilled attorneys can help you understand your consumer rights regarding debt collection practices and end the debt collector’s aggressive and illegal behavior.
What is Collection Receivables, Inc.?
Collection Receivables, Inc. is an agency that focuses on delinquent accounts receivable on behalf of its clients. The company’s headquarters are in Augusta, Georgia, where the agency has been incorporated for over 25 years.
Consumer Complaints Against Collection Receivables, Inc.
The Better Business Bureau accredited Collection Receivables, Inc. in 2015, and the company possesses a B+ rating. However, the company has an overall customer review rating of 1 out of 5 stars from 14 customer reviews. Collection Receivables, Inc. also has 30 consumer complaints on its profile.
In the reviews section on the agency’s BBB page, consumers contacted by Collection Receivables, Inc. report having rude interactions with representatives. Several complaints involve gym debts that were either promptly dismissed as invalid or come from businesses that have been closed.
In a few complaints, the agency admits to mistakenly contacting the consumer despite repeatedly being asked to cease contact.
What Effects Does Debt Collection Harassment Have?
When debt collection agencies overstep their boundaries, consumers can suffer the harmful effects of this badgering behavior.
Depending on your tolerance for abusive behavior and the aggressive tactics used by the collection agency, you may experience the following symptoms due to debt collection harassment:
- Sleep disorders
- Weight loss or gain
- Lowered self-esteem
Harassing behavior from debt collectors is unacceptable. Knowing the signs of collection harassment can help you seek appropriate legal aid to end the illegal activity and its harmful effects on your mental and physical health.
Signs Collection Receivables, Inc. is Harassing You
When a debt collector from Collection Receivables, Inc. contacts you, they must avoid certain behaviors outlined in the Fair Debt Collection Practices Act (FDCPA). If a representative does any of the following, it may warrant pursuing legal action:
- Misrepresent themself as a lawyer or law enforcement agent
- Use threatening language
- Use foul language
- Speak to others about your debt or tell them the reason they are contacting you
- Call you during off-hours
- Call you repeatedly to annoy
- Try to coerce you into paying a debt you don’t owe
- Threaten to confiscate your property
- Continue contacting you despite asking them to stop
- Misrepresenting information on your credit report
If a representative of Collection Receivables, Inc. has conducted themselves in a way that breaks the law, you may have grounds for a consumer protection lawsuit. Speak with an attorney at Agruss Law Firm to learn your legal options.
Protections Under State and Federal Law
The Fair Debt Collection Practices Act (FDCPA) is a federal law that provides the most protection against overzealous debt collectors. It sets guidelines for what agencies like Collection Receivables, Inc. are allowed to do. The law also discusses actions you can take in response to predatory debt collection.
For example, when a debt collection agency contacts you regarding a debt, you have the right to ask for validation. As outlined by the FDCPA, you can ask the Collection Receivables representative to disclose:
- The total debt amount
- The creditor the debt is with
- How you can contact the original creditor
- Steps to take if you have reason to believe the debt isn’t yours
The FDCPA also gives you the right to send a cease and desist letter to the agency to stop contacting you further. The company must comply with your request or risk penalties for debt collection harassment.
Besides federal law, states have enacted provisions that complement the FDCPA. For example, Illinois prohibits collectors from threatening to harm your credit and from taking payments for a debt you don’t owe. Speaking with a knowledgeable attorney can help you understand the full scope of protection the law provides you as a consumer.
What to Do if Collection Receivables is Harassing You
If you experience harassment from Collection Receivables, Inc., know that you have consumer rights that can end the behavior. Work with a consumer protection attorney at Agruss Law Firm to stop the harassment and file a lawsuit against Collection Receivables, Inc. You may be able to gain compensation up to $1,000 for rights violations committed by the collector.
Contact Agruss Law Firm for legal counsel regarding your consumer rights and end debt collection harassment. Schedule your free consultation today.