End harassing calls from Compass Recovery
Picture this: It is a warm sunny afternoon, but your cell phone suddenly buzzes again for the umpteenth time that day. You recognize the number immediately you look at the caller ID. You know that it is your debt collection agent calling again, and you feel the anger and frustration rise up inside you.
You tell them that you are taking steps to repay your debt but they keep calling ceaselessly, so you decide to write them a cease-and-desist letter. Even though you write a cease and desist letter and send it via certified mail, it still doesn’t get this debt collection agency from calling to remind, harass, intimidate, or scare you. If you are going through a situation similar to the one outlined here, then you are facing a severe case of debt collection harassment, and the law does not permit your debt collector to do that to you.
Under the Fair Debt Collection Practices Act (FDCPA), enforced by the Federal Trade Commission, debt collection representatives such as collection agencies are prohibited from using unlawful, harassing, and intimidating tactics while trying to get you to settle a debt you owe. If you suspect that Compass Recovery has violated your FDCPA rights in any way, call us today on 844-791-1990.
Steps to take if Compass Recovery is calling
Ask the debt collection agent for:
- Their name
- The name of the debt collection agency they represent
- The amount owed on the debt
- The name of the original creditor
- •How you can negotiate favorable payment terms once you verify the debt is yours
Compass Recovery is required by law to reveal this information to you the first time they contact you. If they do not, then we advise that you ask for the information in writing.
Next, you must verify if the debt is indeed yours. If you are certain that the debt belongs to you, you can contact the debt collector and work out a repayment plan that makes things easy for you. However, if the debt is several years old, find out what your state’s statute of limitations is for filing a lawsuit to collect the debt before making a payment or even agree to make a payment on the debt. You may wish to consult an attorney to guide you through the applicable laws in your state.
Finally, if you believe that the debt may not be yours, ask Compass Recovery to prove that the debt is yours. What this means is that they are required to send you an official letter stating each of the following:
1) The name and address of the original creditor.
2) The amount of debt you owe.
3) Proof the debt is indeed yours
If the debt is not yours: Write the debt collector to tell it the debt is not yours and that you do not want to be contacted about it again. as with every other official matter, we strongly advise that you keep records of everything. For example, keep the letters you receive and make copies of the letters you send in case you need to dispute the issue later. Remember, you have a right to harassment-free debt collection because the Fair Debt Collection Practice Act says debt collectors can’t harass, oppress, or abuse you or anyone else they contact.
Who is Compass Recovery?
Compass Recovery Group LLC is a third-party debt collection agency that offers a full-service receivable debt collection solution for many forms of debt at every stage of delinquency.
3135 Walden Ave Ste 4
Depew, NY 14043
Compass Recovery is often referred to or searched for by other names. These include:
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Compass Recovery Group LLC phone numbers: 888-765-3854, 8887653854
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. We also encourage consumers to share their experience dealing with collection harassment, legal threats or excessive phone calls to help prepare others for the kind of treatment they are likely to receive. Call us now on 844-791-1990 or read more about us here.
Compass Recovery Group LLC BBB Information
BBB file opened: 6/25/2019
Consumer Rights Law Firm Center BBB information
BBB Rating: A+