Unending calls from National Recoveries?
Does it seem like your phone never stops ringing? Do you receive unending, disturbing calls from National Recoveries? Are you being hounded, threatened, or even embarrassed over the debt that you owe? Does it feel like a never ending wheel of calls from National Recoveries even after you have told them you do not wish to be bothered? Isn’t it great to know that as depressing and frustrating as this situation may seem, there is a way out?
Here’s what you should know.
Every debt collection agency must abide by the laws of the FDCPA (Fair Debt Collection Practices Act). What is the FDCPA? They are laws put in place by the Government to protect consumers like you from abusive debt collection exercises. It does not however prevent debtors from paying their debt, it simply seeks to foster equitable debt collection. While it is within the rights of the debt collection agency to collect a debt, the FDCPA makes sure that they do not abuse this right in any form. It also provides the consumer with the right to dispute, validate, and receive details of their debt to make sure it is precise.
What qualifies as Debt under the FDCPA?
It is expedient to know that the FDCPA spells out “debt” and “consumers” in a way that covers only personal, family, or household undertakings. This means that if you owe a business debt or a business owes a debt or a person is contacted by a debt collection agency over a debt that was used for business purposes, it is not covered by the FDCPA.
What you should know about the TCPA
In 1991, the Government passed a bill called the Telephone consumer protection act (TCPA) in response to the rising complaints by consumers about the increasing amount of unwanted telephone marketing calls made to them, and the frequent use of automated and prerecorded messages. Hence if you are plagued by ceaseless phone calls from National Recoveries, this law is here to protect you.
The TCPA Laws state that when contacted by a debt collection agency, the telephone solicitation representatives must provide:
• A means of identification.
• The name of the individual or company they are contacting you for
• A telephone number or address at which that individual or company can be reached
The law also does not permit telephone representatives from making solicitation calls to your home before 8 am or after 9 pm. They are also required to oblige your request not to be contacted again.
The TCPA frowns on the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines, auto-dialers, and artificial or prerecorded voice messages programmed to contact your pagers or cellular phones. Calls for which a charge is made to you. Also, the act prohibits sending unsolicited advertisements by fax to anyone without their prior consent. Violation of the TCPA laws include damages from $500 to $1500 per call.
What National Recoveries is not allowed to do under the FDCPA
• Speak to you in a rude or abusive way, curse, and insult or use profane words while addressing you.
• Try to or threaten to harm you, your family, property, reputation, or acquaintance.
• Call you endlessly. Debt collectors are not allowed to badger you with calls.
• Call you before the hours of 8 a.m. or after 9 p.m.
• Talk to third parties about your debt who have no business knowing about it.
• Threaten to sue you when they do not plan to.
• Make efforts to get you to pay more than you actually owe.
• Be deceitful about who they are or pretend to be attorneys or the government in order to scare you.
• Try to treat you like a criminal or tell you that you have broken the law and will be arrested.
• Deceitfully present false papers to you saying it is from the court.
• Tell you that they can take your benefits money (such as Social Security disability, pension, retirement, child support, alimony, or other protected funds).
• Call you at work after being informed that they are not allowed to.
• Share your debt information in other ways such as:
•Send you a postcard with information about your debt.
• Use social media platforms to mention your debt.
• Put up information about your debts in newspapers or magazines.
What do I do if National Recoveries sues me?
You can get sued in court by a debt collection agency as a last resort to recover a debt. In this case, the debt collector will serve you legal papers. You must respond to the lawsuit leveled against you and also appear in court or else the debt collector will win by default.
What to do if you keep getting unwanted calls from Collection Center Inc.
• Refrain from answering calls from numbers you are unfamiliar with.
• Know your rights.
• No matter how provoked you are, avoid engaging in an abusive word exchange.
• Hang up when necessary: if the collector is being rude or using profane words, does not say anything, or refuse to identify themselves, then hang up.
• Keep evidence of every contact made to you, you just might need it in the future..
• Do not disclose personal information especially to an anonymous caller.
• Be sure to verify the authenticity of the debt.
• Seek legal advice.
About National Recoveries
National Recoveries Inc. provides debt resolution services. The Company offers loan programs, management of cohort default rates, government receivable management, loan repayment rates, tracking, and asset location services.
14735 Highway 65 NE
Ham Lake, MN 55304-4886,
Phone: (763) 754-0468
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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.
Call us now on 844-791-1990
National Recoveries may be contacting you from the following numbers:
National Recoveries BBB Information
BBB file opened: 4/28/1995
Consumer Rights Law Firm Center BBB information
BBB Rating: A+