If you’re between jobs, need unexpected medical treatment, or experience business problems, you can miss a loan payment, utility bill, or other obligation. When this occurs, your creditors often transfer the task of attempting to collect the debt to accounts receivables collection agencies. Unfortunately, these debt collectors often exercise illegal and unethical practices to collect the account.
If you’re dealing with constant calls or threats from National Recovery Agency, contacting a consumer protection attorney can help. Debt collection lawyers fully understand the state and federal statutes that protect consumers and can use their knowledge to hold offending agencies accountable.
What Is National Recovery Agency?
National Recovery Agency is a collections agency with headquarters in Harrisburg, Pennsylvania. The agency handles accounts receivables collections for clients in various fields, including healthcare and retail. National Recovery Agency has been active in the space for over 45 years and has Professional Practices Management Services (PPMS) certification.
What Are Consumers Saying About National Recovery Agency?
National Recovery Agency has a Better Business Bureau profile that has been accredited since 2020. An average of 20 customer reviews gives the debt collection agency a 2.55 out of 5-star rating.
On the company’s BBB profile, 89 complaints have been closed in the last 3 years, while 43 complaints have been closed within the previous 12 months. Several complaints involve debts and credit report accounts that consumers dispute. In most cases, National Recovery Agency responds by stating that the company cannot comment due to not having the consumer’s consent to do so.
Can I Stop Harassing Calls From National Recovery Agency?
Yes. If a debt collector is harassing you, you can take steps to stop the calls. First, you can work with a consumer rights protection attorney to request that the collector only contact you in writing. You and your lawyer can also send a cease and desist letter, instructing the collector to stop all communication with you.
Remember that stopping the persistent phone calls will not make the debt go away or prevent legal action against you down the road. However, it will stop the harassment and give you the breathing room to improve your finances.
If the debt collector continues to call after receiving your request, consider filing a complaint with the Consumer Financial Protection Bureau. Include as much detail as possible in your complaint, including the collection agency’s name and number and the calls’ dates and times.
How a Consumer Protection Attorney Can Help You
With almost 7,000 debt collection agencies in the United States, dealing with harassment is a common problem that many people face. Fortunately, there are laws in place to protect you from this type of harassment. The Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and state-level laws and agencies offer protections to stop debt collectors from using unfair practices to collect your debt.
Per these laws, collection harassment includes any type of behavior that intends to harass, annoy, or threaten a consumer. This behavior can consist of repeated phone calls, profanity, and even threats of violence. Debt collectors can falsely claim that they are calling on behalf of government agencies or law enforcement, something the law prohibits.
An attorney can help you determine if the debt collectors are violating the law and pursue appropriate legal action through the following actions:
Send a Cease and Desist Letter
Although you don’t need an attorney to send a cease and desist request, hiring a knowledgeable lawyer can add credibility to your demand. The debt collector may be more likely to immediately stop all illegal conduct if they assume that legal action will follow if they do not comply.
Negotiate with the Debt Collector
A consumer protection attorney can help negotiate with debt collectors on your behalf and ensure they follow the proper procedures. In some cases, an attorney can help reduce the amount of debt you owe or set up a more manageable payment plan.
File a Debt Harassment Lawsuit
Consumer protection lawyers are experienced in handling debt harassment cases and can provide the resources and guidance you need to file a successful lawsuit. In many cases, they can also help you obtain a monetary settlement (up to $1,000 per lawsuit plus legal costs) from the harassing debt collector.
Stop Harassment From National Recovery Agency
A skilled consumer protection attorney can be a crucial ally in your fight against debt collection harassment. Mike Agruss Law helps consumers deal with illegal debt collection methods from aggressive agencies. Our qualified attorneys can take action to hold National Recovery Agency accountable for Federal Debt Collection Practices Act violations and end unfair treatment.
Contact our law firm for a free consultation to share the details of your case. Take action today to break free from illegal debt collection practices.
