Debt collection agencies can badger consumers over debts they owe or accounts mistakenly attributed to them. If a debt collector contacts you, you should be able to find out more about the collection agency to verify its legitimacy with a simple internet search. However, some debt collection companies have little information online, indicating untrustworthiness and possible fraudulent activity.
Hiring an experienced consumer protection attorney can help determine what company you are dealing with and whether your debt is legitimate. Furthermore, if the caller is applying illegal practices in their attempt to collect money from you, the skilled debt collection attorneys at Mike Agruss Law can help you hold the offending parties accountable.
What Is Excuria Recovery Services?
Excuria Recovery Services, LLC is a debt collection service provider registered in 2004 as a domestic limited liability company. Excuria is based in Nassau county, New York, and its DOS ID is 3036067.
Beyond this limited information, very little is available about Excuria Recovery Services. There is no company website or Better Business Bureau profile that consumers can access to learn more about the company or post a review or complaint. The only active Excuria employee profile on LinkedIn belongs to a person listed as the company’s managing member.
How to Differentiate Between a Legitimate Debt Collection Agency and a Scam
There are a few key things to look for that can help you determine whether a company is legitimate or a scam.
- A legitimate debt collection agency will always send you a written notice before they attempt to contact you by phone. This notice will include your debt amount, the creditor’s name, and your rights under federal law.
- A legitimate debt collection agency should never threaten you with violence or try to intimidate you into paying the debt.
- A legitimate agency will typically not try to trick you by pretending to be someone else, such as a law enforcement officer or a representative of your creditors.
However, it’s essential to understand that even legally registered debt collection agencies can engage in harassment. In thousands of cases, legitimate debt collection agencies have crossed the line into illegal conduct and have been held accountable by consumers through legal action.
If you receive communication that meets the criteria for debt collection harassment, you can assume that it’s either a scam or an agency engaging in prohibited practices. Contact the Federal Trade Commission (FTC) to report fraudulent activity through its consumer fraud report website. The FTC sends consumer fraud reports to over 3,000 law enforcement representatives to help prevent scam collection agencies.
Contact your banking institution if you’ve paid money to a collection agency that you believe may be a scam. Your bank may be able to stop a payment from going through and ensure the scammers can’t access your accounts. You should also contact your local police department and make a report regarding the debt collector if the agency has scammed you out of money.
When a debt collection agency contacts you, whether it is a legitimate entity or engaging in fraudulent activity, reach out to a consumer debt protection lawyer. A skilled attorney with Mike Agruss Law can stop harassing behavior with a cease and desist letter, help you ask for validation of your debt, and protect your consumer rights in a lawsuit with a collection agency.
How the Law Protects You Against Excuria Recovery Services
Debt collection agencies are regulated by state and federal law. The Fair Debt Collection Practices Act (FDCPA) is a 1977 law that prohibits agencies that collect debt from using abusive and unfair practices or misinformation when collecting a debt.
The FDCPA applies to personal and household debts, including credit cards, medical bills, student loans, and mortgages. Under the FDCPA, debt collectors can’t contact you at inconvenient times or places, such as early in the morning or late at night. They also cannot contact you at work if you have not given your consent.
Debt collectors are prohibited from using obscene or threatening language, making repeated phone calls, or disclosing your debt to third parties. If you believe a debt collector has violated the FDCPA, you can file a complaint with the Federal Trade Commission (FTC).
Some states also have laws that regulate debt collection practices. These laws may be more restrictive than the FDCPA, so check your state’s consumer protection laws to see what protections you have. You can file a complaint with your state’s attorney general’s office if you believe a debt collector has violated state law.
How Can a Consumer Protection Attorney Help?
Consumer protection laws are in place to protect borrowers from harassment and abuse by debt collectors. Navigating the legal system can be daunting, especially when you’re already struggling with debt. A consumer protection attorney can help you through the confusing process so that you can get relief from oppressive debt collectors.
A knowledgeable consumer protection attorney can help you understand your rights under the law and take action if you’ve been harassed or mistreated by Excuria Recovery Services. An attorney can also negotiate with your creditors on your behalf, help you develop a repayment plan, and even file for bankruptcy if necessary.
Finally, a consumer protection attorney can file a lawsuit against the debt collection agency. This action can result in damages of up to $1,000 per lawsuit and legal fees.
Stop Harassment From Excuria Recovery Services
You should not have to deal with illegal conduct by Excuria Recovery Services or other debt collection agencies. Contacting a consumer rights lawyer can halt harassment and provide the space you need to cope with your financial situation.
Mike Agruss Law helps consumers deal with abusive debt collectors. Our lawyers can take legal action to hold Excuria Recovery Services accountable for any federal or state law violations.
Contact our legal team today for a free, no-obligation consultation to share the details of your case and break free from debt collection harassment.
