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Stop Direct Recovery Services Inc. from Harassing you
The last call you want to receive as you take your early morning coffee is a call from debt collectors like Direct Recovery Services.
Waking up to such a call is not something anybody would like to experience. Debt collectors are tasked with the job of contacting you to discuss your outstanding debts and get you to pay.
Different methods are employed by these collection agencies to make you settle the debts. The FDCPA however prohibits them from using deceptive, abusive, and unfair methods to achieve their aim.
What is the FDCPA?
FDCPA is an acronym for the Fair Debt Collection Practices Act. It is a federal law that establishes consumer protection from harmful and abusive debt collection practices.
The FDCPA covers debts like credit cards, mortgages, and medical bills. It does not cover business debts.
Some restrictions under the FDCPA on how debt collectors can contact you are:
- Bypassing your attorney: If the collection agency is aware that you are being represented by an attorney, then they shouldn’t be calling you. They should call your attorney.
- Time: Debt collectors are not allowed to call you at odd hours (times when you should be in bed or at work)
- Place: If your debt collector is aware that you are not allowed to receive such calls at work, they shouldn’t be calling you there.
- Use of profane words: When a debt collector calls you, they are prohibited from using profane and abusive words in their communication with you.
When a debt collector calls you at work
According to the FDCPA, a debt collector who is aware that your employer does not approve of them calling you at work should not call your workplace. Doing this can put your job at risk. However, sometimes debt collectors may not be doing it intentionally, it may also be an honest mistake. They may have called your place of employment while trying to call your residence.
Hence, you should communicate to your debt collector that the number they have called is your work number and you are not allowed to take such phone calls at work.
After telling them this, they are mandated to stop calling your workplace. If they don’t, send a cease and desist letter asking them to stop.
The last option would be to file a complaint or sue them to court.
Is Direct Recovery Services, Inc. an actual company?
Direct Recovery Services, Inc. is a third-party debt collector located in Harbor, Minnesota. They are not BBB accredited as at the time of this writing, and have received 18 complaints via the BBB in the past three years, 14 of which are for billing/collection problems
629 7th Ave Ste 1
Two Harbors, MN 55616-1400
Phone: (646) 938-3123
About this site (Telephone Harassment)
Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms, and Original lenders. Read more about us here.
Call us now on 844-791-1990
Direct Recovery Services, Inc. may be contacting you from the following numbers:
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Direct Recovery Services, Inc. BBB Information
BBB file opened: 1/20/2015
Consumer Rights Law Firm Center BBB information
BBB Rating: B-