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Whether You Owe The Debt Or Not, We Can Help You!

Has Total Credit Recovery Called From 416-756-2096 ?

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Get the calls to stop

Review your credit report

Answer your financial questions

All at ZERO COST to you.

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FREE no-obligation case review.

Tell us your story.
We'll make things right.

How it Works

We will stop harrassment immediately

If your rights have been violated, you may even be entitled to a money damages.

The other side pays our fees and costs, so there is ZERO COST to you.

Frequently Asked Questions

What is the Fair Debt Collection Practices Act?

The FDCPA applies to everyone in the county. It’s a list of what collection agencies can and cannot do while collecting a debt. Under the FDCPA, collection agencies cannot harass you while collecting a debt.

What is the Electronic Fund Transfer Act?

The EFTA is a federal law that protects electronic payments that are deducted from bank accounts. Under the EFTA, companies cannot take unauthorized payments from your checking account or debit card.

What is the Fair Credit Reporting Act?

The FCRA is a federal law that protects consumers’s information on their credit report. 40 million Americans have mistakes on their credit report. We will help you dispute inaccurate information on your credit report at no cost to you.

Do I have to pay your fees and costs?

No. We handle consumer rights cases based on a fee-shift provision. That means the other side pays your fees and costs. You will never pay us a penny.

Do states have their own laws to protect consumers?

Yes. Several states also have laws to provide their citizens with an additional layer of protection. All states also have laws to protect consumers from unfair and deceptive practices from big companies.

How does Mike Agruss Law help me?

The EFTA is a federal law that protects electronic payments that are deducted from bank accounts. Under the EFTA, companies cannot take unauthorized payments from your checking account or debit car.

We see you as a person, not just a client - and that makes us better at what we do. We learn your story. And, as we help you, we go above and beyond in a way most law firms never could and never would. Becuase we're not just lawyers. And you're not just a client. We're friends, neighbors, and family. We're all people and here at Mike Agruss Law, we put People First.

Top Collection Violations

Called you about a debt you do not owe.

Called you at work after you told them you cannot recieve 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 neighbours) even though the collection agency konws your contact information.

Disclosed your debt to a third-party (family, friends. coworkers, or neighbours).

Called you after you said to stop calling.

Threatened you with legal action (such as a lawsuit or wage granishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector yo 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.

CALL NOW 888-572-0176

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Real Reviews From Real Clients

Exceptional Experience

Mike Bertucci handled my case professionally and successfully. Lakisha Joshua took time to understand my case with the utmost patience. Both Mike and Lakisha, in my opinion, are true assets to Agruss Law firm.

Pj Nyc

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416-756-2096

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416-756-2096

We helped thousands of people like you

7,500

Debt Collection

Harassment Cases Settled

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Submitted Comments

Michael Agruss

2 years ago

Hi Erin. I'm sorry that you're dealing with these frustrating phone calls. I would be upset as well. Fortunately, you do have rights and can make those calls stop in a few ways. I would be happy to speak with you about how to do so--give me a call. Thanks, Mike

Michael Agruss

2 years ago

Hi Adam. The law protects you from these types of frequent calls. I can help you to get them to stop. I will give you a call or you can reach my office at 888 572 0176. Thanks, Mike

Adam

2 years ago

I keep getting calls from Total Credit Recovery for $6000 of OSAP debt. I change my number and they continually hound me.

erin

3 years ago

I literally can’t even do my zoom calls because this god damn number won’t stop calling me every 10 minutes

Jody

3 years ago

Can you help Canadians?

Michael Agruss

3 years ago

Hi General. Somehow debt collectors seem to always lose the final payments they've received. Let's talk more about this and what we can do to fix it. Your first consultation is free and there is never an obligation. 312-224-4695 Thanks, Mike

Michael Agruss

3 years ago

Hi Jennifer. I would be livid if my account was overdrawn when they promised to only take $150. Let's talk and see if we can remedy this. 312-224-4695 Thanks, Mike

Michael Agruss

3 years ago

Hi Jordan. Please give me a call at 312-224-4695 so we can talk about the phone calls you're receiving. Thanks, Mike

Michael Agruss

3 years ago

Hi Caroline. I can totally understand your frustration and I would like to help you to get these calls to stop once and for all. I'm going to reach out to you and we will discuss your rights. Thanks, Mike

Michael Agruss

3 years ago

Hi Michael. Do you have a debt that they're attempting to collect on? I would recommend you ask for proof of the debt in writing, which is your legal right. I can help you to go about getting that information and making the frequent calls cease. Please call my office at 312-224-4695 and we can discuss this. Thanks, Mike

Michael Agruss

3 years ago

Hi Michael. Robocalls are annoying and frustrating. I can help you to make them stop. Please call me at 312-224-4695 and we can talk. Thanks, Mike

Michael Agruss

3 years ago

Hi Ally. Debt collectors are like a dog chasing their tail, they can be relentless. Fortunately, consumers have the right to make those calls stop. I will call you and we can discuss how to make that happen. Thanks, Mike

Michael Agruss

3 years ago

Hi Erica. Good job on requesting proof of your debt. That is exactly what I tell all of my clients to do before paying any debt. If you need further assistance, I can help. Please call me at 312-224-4695 and we can talk about your options. Thanks, Mike

Michael Agruss

3 years ago

Hi Peter. I will call you and we can discuss how to get the calls to stop. Thanks, Mike

Michael Agruss

3 years ago

Hi Eric. Total Credit Recovery is a debt collection agency for medical debts. I will give you a call and we can discuss their legitimacy, representation, and your unique situation. Thanks, Mike

Michael Agruss

3 years ago

Hi Stevens. Let's talk about this debt and what we can do to stop the phone calls. I'll reach out. Thanks, Mike

Michael Agruss

3 years ago

Hi Kim. Each state has different laws regarding a time limit on debt collections and Illinois has some different grey areas that need to be dealt with regarding debts and statue of limitations. I would be happy to discuss that with you and what you can do to deal with your situation. My office can be reached at [email protected] or 312-224-4695. Please give me a call if you'd like assistance. Thanks, Mike

KIM

4 years ago

Call me several times a day, up to 5 days a week regarding a 7 year old debt. Grrrr

Stevens

4 years ago

Hello, I'm receiving calls, but should never had ad the debt reported to them. they call me none stop...

Eric

4 years ago

I thought to Google search the (416) on my phone which seems to be TCR and the other organization listed on your website. Can your firm represent Canadians? What is up with this company? Are they legitimate?

Peter

5 years ago

I am being harassed. I am constantly being called by total credit recovery. I have told them that I am aware of my debt and that I do intend to take care of it when I am able. But right now I am on disability. I have asked numerous times for them to atop calling be cause I am aware and that should be enough. I get called constantly. Just that I speak to the same person every time. So it's very clear that I have been made aware and have made it very clear that I so not any to be harassed every day. As well I get automated computer calls all the time from them. Theu leave messages constantly. That's it. Thx!

Erica

5 years ago

They say I owe for student loan but it was paid. I asked them to send me documentation in the mail, they confirmed my address and I never received anything.

Ally

6 years ago

1 (416) 756-2096 Calls me anywhere between 1 - 10 times a day with an automated system regarding my student loan, I answered it once and they told me to actually borrow money to pay of the student loan LOL. I had the loan deferred before and yet they still call every day without fail

Michael

6 years ago

calls from different numbers and robocalls

Michael

6 years ago

calls 5x daily

Caroline

6 years ago

This TCR is also Ministry of Finance or Global Credit Recovery - all are the same. They claim I owe student loan. I have paid up my loan in 2009. I find out that the loan they claim I owe is actually taken by someone at CIBC named Chris and Abigail T. from NSLS, and Davis & Henderson. They forge the student loan application forms and apply for the loan. They receive the loan because of Baigail T. Although I sent the proof to them that the application forms are fraud, they don't listen. They keep calling me and demanding I should pay the loan. I have the proof that the loan applications are fraud. I am tired of being harassed and demanded payment for a loan that is actually a fraud from the start.

Jordan

6 years ago

I keep getting calls from 416 756 2096, stating i owe money for a student loan. they call every day almost 5 times a day. its very harassing.

Jennifer

6 years ago

They call me almost every day and thought it credit recovery and give them permission to pull out of my account they were supposed to pull at 150 ended up trying to pull out 300 with which cost me and nfs and then that’s it from there

General

7 years ago

They phone me EVERY DAY, some from Ottawa, some from Vancouver, some from Toronto, more then occasionally in the morning AND night, its for a fine I paid TEN YEARS ago and somehow the city had retained ALL of the information on my case EXCEPT for ALREADY HAVING PAID. MY FINE.

Whether You Owe The Debt Or Not, We Can Help You!

Has Total Credit Recovery Called From 416-756-2096 ?

All at ZERO COST to you.

Tell us your story.
We'll make things right.

How it Works

Frequently Asked Questions

What is the Fair Debt Collection Practices Act?

What is the Electronic Fund Transfer Act?

What is the Fair Credit Reporting Act?

Do I have to pay your fees and costs?

Do states have their own laws to protect consumers?

How does Mike Agruss Law help me?

Top Collection Violations

Real Reviews From Real Clients

416-756-2096

also appears as...

We helped thousands of people like you

Click on your state, learn your rights

We are listening

Submitted Comments

Other numbers used by Total Credit Recovery

Quick Links

Customer Service

Contact Info

Office Locations

Whether You Owe The Debt Or Not, We Can Help You!

Has Total Credit Recovery Called From 416-756-2096 ?

All at ZERO COST to you.

Tell us your story. We'll make things right.

How it Works

Frequently Asked Questions

What is the Fair Debt Collection Practices Act?

What is the Electronic Fund Transfer Act?

What is the Fair Credit Reporting Act?

Do I have to pay your fees and costs?

Do states have their own laws to protect consumers?

How does Mike Agruss Law help me?

Top Collection Violations

Real Reviews From Real Clients

416-756-2096

also appears as...

We helped thousands of people like you

Click on your state, learn your rights

We are listening

Submitted Comments

Other numbers used by Total Credit Recovery

Quick Links

Customer Service

Contact Info

Office Locations

Tell us your story.
We'll make things right.