Are you receiving harassing phone calls from Financial Recovery Services? Are they threatening to take legal action, garnish your wages, or do they call you multiple times a day at all hours? These actions are illegal, and you don’t have to put up with them. You can stop Financial Recovery Services debt harassment and exercise the right to protect yourself from these violations. Suppose you are facing harassment from Financial Recovery Services (FRS). In that case, you may be eligible for damages, including up to $1,000 in statutory damages and attorney fees, if the collection agency is guilty of violating the Fair Debt Collection Practices Act (FDCPA).
Is Financial Recovery Services a Scam?
Many wonder if Financial Recovery Services is a legitimate company or if it is another scam. According to the Better Business Bureau (BBB), Financial Recovery Services has operated for over 23 years. Nevertheless, despite its long-standing business presence, Financial Recovery Services has garnered significant attention. The company has received several complaints about its collection tactics, which may raise concerns about the legality of its actions.
Financial Recovery Services has been subject to 16 complaints filed with the BBB. While they are not a scam, they have a history of unethical practices. Many individuals have been harassed or threatened with legal action, wage garnishment, or damage to their credit scores. Their phone numbers are also frequently reported as sources of Financial Recovery Services phone harassment.
Also read: First Financial Asset Management Debt Collection Harassment
Who is Financial Recovery Services?
Financial Recovery Services, located in Edina, Minnesota, is a third-party debt collector. The company has been involved in over 390 federal court cases and has faced accusations of illegal debt collection practices. These cases often revolve around the company’s attempts to intimidate or coerce consumers into paying debts they may not legally owe. Financial Recovery Services operates under multiple aliases, making it difficult for individuals to track or identify in case of harassment.
The company’s physical address is:
4510 W 77th St, Suite 200
Edina, MN 55435-5505
Their phone number is:
952-831-4800
The Tactics Used by Unethical Debt Collectors
If you’re facing harassment from Financial Recovery Services, you may recognize the following tactics:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you or harm you
- Telling you or others that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
These are all signs that Financial Recovery Services may be engaging in Financial Recovery Services debt harassment. If you experience any of these tactics, taking action is crucial. You may be entitled to compensation for the emotional distress caused by their illegal actions.
Also read: LTD Financial Services Debt Collection Harassment
Financial Recovery Services Lawsuit: Can They Take Legal Action Against You?
One of consumers’ most frequent questions about Financial Recovery Services is whether the agency can sue them. The answer is yes – Financial Recovery Services can file a lawsuit against you, but only if the debt is within the statute of limitations for your state. However, suppose Financial Recovery Services violates the FDCPA during their collection attempts. In that case, you may be able to pursue a lawsuit against them instead. It’s essential to know your rights to protect yourself from harassment.
Additionally, suppose Financial Recovery Services wins a lawsuit against you. They may be able to garnish your wages or place a lien on your property to collect the debt. However, they can only proceed with these actions through legal proceedings and must follow the proper protocols.
Also read: Apelles LLC Debt Collection Harassment
How to Identify Financial Recovery Services Phone Numbers
Are you receiving Financial Recovery Services phone harassment from the following numbers?
- 952-831-4800
- 866-438-2860
- 888-411-4684
- 763-503-5206
- 952-893-0340
Suppose any of these numbers appear on your caller ID. Financial Recovery Services is likely attempting to collect a debt in that case. Remember that they may also use other phone numbers, so it’s essential to remain vigilant. Financial Recovery Services can change their caller ID information to evade detection. If you suspect harassment, contact The Wood Law Firm immediately at +1 844-638-1122 for legal assistance.
Also read: Credit Bureau Collection Services Harassment
What Should You Do If Financial Recovery Services Calls You?
Suppose you are receiving harassing calls from Financial Recovery Services. In that case, the first step is to keep a detailed record of each interaction. Write down the date, time, and content of each conversation. If they threaten, use abusive language, or violate your rights in any way, you may have grounds for a legal case.
You can also send a written request to Financial Recovery Services asking them to cease contact with you. Under the FDCPA, they must honor this request. If they continue to call or engage in harassment, you can take further legal action. The Wood Law Firm specializes in helping clients stop Financial Recovery Services debt harassment. It can help guide you through the legal process.
Also read: Reliant Capital Solutions Debt Collection Harassment
What Are Common Complaints Against Financial Recovery Services?
There are numerous complaints against Financial Recovery Services for aggressive debt collection tactics. Some of the most common complaints include:
- Unwanted calls at all hours of the day and night
- Threatening language, including claims of legal action or wage garnishment
- Failure to notify consumers of their right to dispute the debt
- Attempts to collect more than the consumer legally owes
You’re not alone if you are dealing with any of these tactics. Many consumers have filed complaints against Financial Recovery Services through platforms like Pacer.org. For example, there are several cases against them, such as:
- 2:05-cv-03532-MK Potter v. Financial Recovery Services
- 0:08-cv-00500-RHK-JSM Banitt v. Financial Recovery Services
- 1:92-cv-02217-MJG Antley v. Financial Recovery Services
- 1:13-cv-11210-NMG Shepard v. Financial Recovery Services
These cases showcase the numerous times Financial Recovery Services has faced legal challenges due to its questionable tactics.
Also read: Financial Business Consumer Solutions Harassment
What Are Your Rights?
Under the Fair Debt Collection Practices Act (FDCPA), Financial Recovery Services must follow specific rules when collecting a debt. They cannot:
- Call you before 8:00 a.m. or after 9:00 p.m.
- Use abusive or profane language
- Harass you with repeated phone calls
- Contact your family, friends, or employer about your debt without your consent
- Threaten you with legal action unless they intend to follow through
If Financial Recovery Services violates any of these rules, you may be entitled to compensation. To stop the harassment, contact The Wood Law Firm for legal assistance at +1 844-638-1122.
Also read: Associated Collection Service Debt Collection Harassment
How The Wood Law Firm Can Help
At The Wood Law Firm, we specialize in helping clients who have been victims of Financial Recovery Services phone harassment and other collection agency abuses. Since 2010, we’ve helped hundreds of individuals stop illegal collection practices and receive compensation for the harassment they’ve endured. Our team understands your challenges and can guide you through every step of the legal process.
If you’re tired of dealing with constant calls, threats, and harassment, don’t wait any longer to take action. The Wood Law Firm is here to help you end Financial Recovery Services debt collection harassment.
Contact us today at +1 844-638-1122 for a free consultation. We’ll help you stop Financial Recovery Services harassment and hold them accountable for their illegal actions.
By following these steps and seeking help from The Wood Law Firm, you can take control of your situation and stop the cycle of Financial Recovery Services debt collection harassment. You don’t have to live with this stress any longer. Get the help you deserve today.
Some Useful Links:
Consumer Finance
Minnesota Attorney General
