Debt collectors like Vital Recovery Services, LLC 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 Vital Recovery Services violated the law, you will get money damages and Vital Recovery Services 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.
Who is Vital Recovery Services, LLC?
Vital Recovery Services is a third-party debt collection agency and subsidiary of “Vital Solutions, Inc.” and is based in Peachtree Corners, Georgia. Founded in 2002, Vital Recovery Services works primarily with companies in the automobile finance, credit card, real estate, and utilities industries. The agency has been accredited by the Better Business Bureau since the year of its founding, but has received over 60 negative reviews and complaints in the past three years, mostly for billing/collection problems.
Vital Recovery Services’ Address, Phone Number, and Contact Information
Vital Recovery Services is located at 4775 Peachtree Industrial Blvd, Suite 310, Berkeley Lake, GA 30092-3015 (according to the BBB). The P.O. Box is P.O. Box 923747, Peachtree Corners, GA 30010-3747. The main telephone numbers are 866-312-5580 and 678-578-1020 and the website is http://www.vitalsolutions.net/recovery/
Phone Numbers Used by Vital Recovery Services
Vital Recovery Services likely uses hundreds of different phone numbers to call consumers. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Vital Recovery Services may be calling you from:
678-578-1020
678-578-1026
678-578-2242
678-579-2883
800-797-6072
800-797-6093
866-536-2100
866-921-4628
877-342-2082
877-347-2082
Vital Recovery Services Lawsuits
If you want to know just how unhappy consumers are with Vital Recovery Services, take a look at the 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. A search for the agency will display 240 lawsuits filed throughout the U.S., most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).
Vital Recovery Services Complaints
The Fair Debt Collection Practices Act (FDCPA) is a federal law that 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 Vital Recovery Services is harassing you over a debt, you have rights under the FDCPA.
The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Vital Recovery Services violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.
The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Vital Recovery Services took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Vital Recovery Services, 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 Vital Recovery Services 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 a 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 Vital Recovery Services is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” 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 their 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 the 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 Vital Recovery Services’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Vital Recovery Services 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. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.
THAT’S NOT ALL…
We have helped thousands of consumers stop phone calls 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 and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.
What if Vital Recovery Services 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 Vital Recovery Services 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.
Complaints against Vital Recovery Services
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Vital Recovery Services. Here are some of the BBB reviews and complaints against Vital Recovery Services:
“This company is trying to collect money that was already paid. An agency wrongly sold the debt and now Vital Recovery Services refuses to stop contacting me about it. I receive several robocalls each week about this, and two letters in the mail each week to collect for a payment that was made weeks ago.”
“[Vital Recovery Services] calls my home number 5 times a day and will not stop. They are trying to collect a debt for someone who is not at this number. I have asked them repeatedly to stop calling and told them they have the wrong number and to take it out of their system. They continually call and this has become a disturbance for me and my family.”
“Vital Recovery Services, LLC has been contacting me incessantly about a collection. They had my wrong address information and called me on my phone. I had no idea what they were talking about. The representative would not let me speak and was very nasty. I told them I did not owe any money to the company they said they were representing.”
What Our Clients Say About Us
Mike Agruss Law has over 800 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 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!! He even settled it so I was paid back for the problems they caused!”
Can Vital Recovery Services Sue Me?
Although anyone can sue anyone for any reason, we have not seen Vital Recovery Services 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 Vital Recovery Services has threatened to sue you, contact Mike Agruss Law as soon as possible.
Can Vital Recovery Services Garnish my Wages?
No, unless they have a judgment. If Vital Recovery Services 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 Vital Recovery Services has threatened to garnish your wages, contact our office right away.
Vital Recovery Services Settlement
If you want to settle a debt with Vital Recovery Services, 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 Vital Recovery Services 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 Vital Recovery Services 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 Vital Recovery Services, we at Mike Agruss Law are here to help you.
Share your Complaints against Vital Recovery Services Below
We encourage you to post your complaints about Vital Recovery Services. 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 Vital Recovery Services over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, 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.
