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Dealing with harassment from Midwest Recovery?

Dealing with harassment from Midwest Recovery?

Are you dealing with legal calls from Midwest Recovery? Although Midwest Recovery is legally permitted to reach you via telephone to discuss issues of unpaid debt, dealing with calls from a debt collector – as most consumers will tell you- is an unpleasant and stressful experience. Worse still, there is a very thin line between legal, ethical debt collection and many debt collectors tend to cross it; this is not a good position to find yourself in.  Most debt collection agents are paid on commission based on how much debt they are able to get consumers to settle and are untrained in the legal processes of debt collection, which often leads them to behave aggressively.

What you should know is that the law forbids third-party debt collectors from harassing you. They are not allowed to speak rudely to you, call you up at odd hours, misinterpret your loan sum, print your name in any publication, or inform an unauthorized third-party about your debt. However, this often doesn’t mean they won’t engage in these acts.

Fortunately for you, the law is on your side. The Federal Trade Commission has put a number of checks in place designed to reduce debt collector harassment. The law also allows you to sue an erring debt collector for actual damages, additional damages, and attorney fees. If the debt collection agency is found guilty, then they must also pay a fine.

If you suspect that Midwest Recovery is violating your debt collection rights, do not hesitate to give us a call on 844-791-1990, and we will address the matter from there.

6 Tips to help you effectively deal with Midwest Recovery

  • Know your rights

A debt collector know your rights, they are just hoping that you don’t. According to the law. debt collectors must refrain from any practice that will end up being harassing as stressful to you. Such practices include issuing legal threats they cannot (or will not) carry out, calling ceaselessly, and not obtaining your permission before placing a Robocall. You can sue a debt collection agency that violates any of these rights, and you may be able to secure compensation.

  • Don’t Engage the caller

Ensure that you talk about only the necessary things with a debt collector and that you keep the conversation as short as possible. If they are trying to aggravate you in hopes that you will respond emotionally, do not give them that satisfaction.

  • Ask the debt collection agent to identify themselves

Debt collectors are prohibited from making anonymous calls to you. The TCPA states that they must identify themselves to you with their name and the name of the debt collection agency which they represent. Additionally, they are prohibited from impersonating an attorney, police officer, or government official,

  • Ask for a verification of the Debt

Once you receive correspondence, request that the debt collector sends you a written validation of the debt you owe. The document should include the amount you owe, the name of the original creditor, and inform you about your right to dispute it the debt if you do not think it is yours. You have five days to do this.

  • Ensure that the collection agency is officially responsible for collecting the debt

After you have requested a verification of the debt and you are convinced that it is yours and you agree to pay it, make sure that the collection agency calling you was officially named the debt collector for your account by your original lender because any money paid to a collection agency not officially responsible for handling your account doesn’t count.

  • Seek legal advice or credit counseling 

If you feel like you are drowning in your debts, seek the help of a qualified credit counselor; they will advise you regarding what the best move is for you financially. Similarly, if Midwest Recovery is calling you ceaselessly to issue legal threats, intimidate, or harass you, reach out to a qualified lawyer or call us on 844-791-1990.

About Midwest Recovery

Midwest Recovery Systems is a third-party debt collector located in Earth City, Missouri. They offer a diverse array of services ranging from accounts receivable management to call center services.

Contact Information

514 Earth City Plz

Earth City, MO 63045-1312,



Phone: (844) 458-4805

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 alert consumers of scams and notify them about the harassment and scare tactics that many collection agencies employ, many of which are against phone harassment laws. Read more about us here.

Call us now on 844-791-1990

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Midwest Recovery BBB Information

BBB file opened:  12/19/2012

Consumer Rights Law Firm Center BBB information

BBB Rating: A+

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