Debt collectors like Eastpoint Recovery Group, Inc. cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.
THE BEST PART IS…
If Eastpoint Recovery Group violated the law, you will get money damages and ERG will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.
Eastpoint Recovery Group is a debt collection agency located in Buffalo, New York. Founded in 2011, Eastpoint became accredited with the Better Business Bureau in June of 2019. At the end of 2019, there were approximately 28 consumer complaints filed with the BBB. Most of these BBB complaints pertained to billing and collection issues. According to these BBB complaints, consumers allege harassing phone calls, unlawfully contacting debtors’ relatives, and threatening to take actions that could not legally be taken or were not intended to be taken.
Eastpoint Recovery Group’s Address, Phone Number, and Contact Information
Eastpoint Recovery Group is located at 1738 Elmwood Avenue, Suite 104, Buffalo, NY 14207. The main telephone number is 800-459-2417 and Eastpoint’s website is https://eastpointrecoverygroup.com/
Phone Numbers Used by Eastpoint Recovery Group
Like many debt collection agencies, Eastpoint Recovery Group may use different phone numbers to contact debtors. Here are some phone numbers Eastpoint Recovery Group may be calling you from:
- 716-256-1710
- 716-362-2357
- 716-362-2359
- 716-362-5600
- 716-462-6445
- 716-712-5496
- 716-748-7156
Eastpoint Recovery Group, Inc. Lawsuits
If you want to know just how unhappy consumers are with Eastpoint Recovery Group, take a look at the number of lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. At the end of 2019, a search for Eastpoint Recovery Group will display about 70 lawsuits filed against the collection agency, most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).
Eastpoint Recovery Group, Inc. Complaints
The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Eastpoint Recovery Group is harassing you over a debt, you have rights under the FDCPA.
The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Eastpoint Recovery Group took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. ERG, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Eastpoint Recovery Group continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and potential case under the EFTA.
The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.
Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.
How do we Use the Law to Help You?
We will use state and federal laws to immediately stop Eastpoint Recovery Group’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if ERG violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs.
THAT’S NOT ALL…
We have helped dozens of consumers stop phone calls from Eastpoint Recovery Group and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs.
What if Eastpoint Recovery Group, Inc. is on my Credit Report?
Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.
THE GOOD NEWS IS…
If Eastpoint Recovery Group is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.
REMEMBER…
If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.
What Our Clients Say about Us
Mike Agruss Law has over 1,100 outstanding client reviews through Yotpo, an A+ BBB rating, and over 205 five-star reviews on Google. Here’s what some of our clients have to say about us:
“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”
“Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”
“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”
Eastpoint Recovery Group Voicemail Messages
Some of our clients get voicemail messages from Eastpoint Recovery Group that do not comply with the law. If you have received voicemail messages similiar to the following, please let us know. We can help you at no cost to you.
- Hi, good morning, Christina. This is Travis with the Eastpoint Group. If you could please return my call, I did see there were a few missed calls on the caller ID. My direct line is 716-794-5934. Again, this is Travis with the Eastpoint Group. Thank you.
- Hi. This is an important message for Christina. If this is not Christina, please hang up now. By remaining on this call, you have acknowledged that you are in fact Christina. We are calling from Eastpoint Recovery Group. This call is an attempt to collect a debt and any information obtained will be used for that purpose, Christina. Please call me back at 800-459-2417 with your reference number 547262.
- Hi, good morning. This message is for Christina. This is Travis calling with the Eastpoint Group in regards to the claim that was filed in our office. We spoke briefly a few times actually, but I believe you were waiting on your taxes. Um, you were also going to talk to your father, I believe. Unfortunately, we are pretty much out of time on that, so I would need to hear from you with some sort of installment by end of business tomorrow, which is Tuesday, March 31. After that, my client is looking for recommendation on how to proceed. So, give me a call back, let me know what the update is. My direct line is 716-794-5934. Like I said previously, we will do what we can to work with you. Alright, thanks. Bye.
- Good morning my name is Pamela. I’m contacting you in regards to your paperwork here in my office. At this point in time just wanted to touch base with you to make sure that you were fully aware of the situation. I want to be able to give you some options before the matter moves forward again you. You can reach me directly at 716-427-7933.
Can Eastpoint Recovery Group, Inc. Sue Me?
Although anyone can sue anyone for any reason, we have not seen Eastpoint Recovery Group sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Eastpoint Recovery Group has threatened to sue you, contact Mike Agruss Law as soon as possible.
Can Eastpoint Recovery Group, Inc. Garnish my Wages?
No, unless they have a judgment. If Eastpoint Recovery Group has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Eastpoint Recovery Group has threatened to garnish your wages, contact our office right away.
Eastpoint Recovery Group, Inc. Settlement
If you want to settle a debt with Eastpoint Recovery Group, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will Eastpoint Recovery Group remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I receive confirmation in writing from Eastpoint Recovery Group for the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Eastpoint Recovery Group, we at Mike Agruss Law are here to help you.
Top Debt Collection Violations
- Called you about a debt you do not owe.
- Called you at work after you told them you cannot receive calls at work.
- Left you a message without identifying the company’s name.
- Left you a message without disclosing that the call is from a debt collector.
- Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
- Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
- Contacted you after you said stop calling.
- Threatened you with legal action (such as a lawsuit or wage garnishment).
- Called you before 8:00 AM or after 9:00 PM.
- Continued to call you after you have told the collector you cannot pay the debt.
- Communicated (phone or letter) with you after you filed for bankruptcy.
- Failed to mark the debt on your credit report as disputed after you disputed the debt.
- Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.
- What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, often times Defendants pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.
- Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, and Wisconsin, you have additional state-law rights.
- What type of debt is covered under state laws that protect me from original creditors? Only consumer debt, such as personal, family, and household debts. For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. State laws usually do not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.
- Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. That is, original creditors, such as credit card companies and banks, are not bound by the FDCPA.
- Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans that have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.
- What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.
Share your Complaints against Eastpoint Recovery Group, Inc. Below
We encourage you to post your complaints about Eastpoint Recovery Group. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!
HERE’S THE DEAL!
If you are being harassed by Eastpoint Recovery Group over a debt, you may be entitled to money damages – up to $1,000. Under state and federal laws, we will help you based on a fee-shift provision, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.
