Are you facing relentless calls from Quality Asset Recovery (QAR)? Are they threatening you with legal action or claiming they can garnish your wages? Suppose you receive calls at inconvenient hours or multiple times a day. In that case, it’s crucial to understand that these practices are illegal. You have the right to end Quality Asset Recovery debt collection harassment. When a collection agency violates the Fair Debt Collection Practices Act (FDCPA), you may be eligible for compensation of up to $1,000 in statutory damages and coverage for your attorney’s fees.
What is Debt Collection Harassment?
Debt collection harassment occurs when a debt collector employs aggressive or illegal tactics to pressure individuals into paying debts. The FDCPA protects consumers from such practices. This law restricts how and when debt collectors can contact you and outlines what constitutes harassment.
Understanding these regulations helps you recognize when a debt collector crosses the line. Many individuals report feeling overwhelmed and anxious due to relentless calls or aggressive tactics, which is why knowing your rights is essential.
Is Quality Asset Recovery a Scam?
According to the Better Business Bureau (BBB) website, Quality Asset Recovery has been in operation for 16 years. Despite its longevity, the agency has garnered 18 complaints through the BBB. Complaints can range from issues with the collection process to concerns over how they handle consumer communications.
Also read: Spire Recovery Solutions Debt Collection Harassment
Who is Quality Asset Recovery?
Quality Asset Recovery is a third-party debt collector based in Gibbsboro, New Jersey. It collects debts primarily linked to credit card accounts. Over the years, this firm has participated in over 30 federal cases related to credit issuance and debt collection. Recently, a Federal Court case accused Quality Asset Recovery of using illegal and harassing communication methods to compel consumer payment.
Company Contact Information
Address:7 Foster Ave
Ste 101
Gibbsboro, NJ 08026-1191
Phone: (856) 925-1010
The Many Names of Quality Asset Recovery
Consumers often search for Quality Asset Recovery under various names. Recognizing these alternate names can be vital when researching your rights or seeking help. Some of the standard search terms include:
- quality asset recovery
- QAR collections
- QAR collection agency
- quality asset recovery complaints
- quality asset recovery reviews
- QAR LLC
Understanding these variations can also help you identify whether you’re dealing with QAR or another collection agency.
Also read: States Recovery Systems Debt Collection Harassment
Collection Tactics Employed by Quality Asset Recovery
Suppose you suspect Quality Asset Recovery is using the following tactics. In that case, you might have grounds for legal action:
Profanity or Abusive Language
Using profanity or abusive language is entirely unacceptable. If you encounter a debt collector who resorts to such tactics, document the conversation and consider taking action.
Contacting You During Unsuitable Hours
Debt collectors are allowed to contact you at 8:00 a.m. or after 9:00 p.m. If you receive calls during these hours, it may violate your rights.
Excessive Calling
If you receive multiple calls per week from Quality Asset Recovery, you could be a victim of harassment. Repeated calls can lead to emotional distress and anxiety.
Discussing Your Debt with Others
Debt collectors should not disclose information about your debts to others, including family members or friends. If this happens, it may constitute a breach of privacy laws.
Contacting Your Workplace
It’s illegal for debt collectors to contact your employer to discuss your debts except under specific circumstances. If this occurs, it’s essential to know your rights.
Threatening Actions
Quality Asset Recovery cannot threaten to sue, harm, or damage your credit. If you receive threats, take them seriously and record such communications.
Accusations of Criminal Activity
Suppose a debt collector accuses you or others of committing a crime due to unpaid debts. In that case, it’s a violation of the FDCPA. Such accusations can be damaging and distressing.
Calling for the Wrong Person
You may have a case if you receive calls intended for someone else. Debt collectors must ensure they contact the correct individual.
Failing to Notify You of Your Rights
Every debt collector must inform you of your right to dispute the debt within a specific time frame. If they fail to do so, they violate the law.
Attempting to Collect More Than Legally Allowed
Debt collectors can only collect the amount legally owed. Such practice could be illegal if they attempt to collect additional fees or charges.
Contact Numbers for Quality Asset Recovery
Are you receiving troubling calls from the following numbers?
- 856-925-1010
- 800-796-1476
- (856) 925-1010
- (800) 796-1476
If you recognize these numbers, you may receive calls from a known Quality Asset Recovery number, indicating that you could be a potential victim of Quality Asset Recovery phone harassment. However, this list is incomplete. QAR may contact you from various numbers. If you find yourself in this situation, contact our office immediately. We can assist you in stopping QAR from continuing these illegal calls. No one should have to endure harassment!
Common Questions Regarding Quality Asset Recovery
Many people have questions about their rights and the actions they can take against debt collectors like QAR. Here are some frequently asked questions:
Also read: Global Recovery Solutions Debt Collection Harassment
Is QAR a Scam?
Despite concerns, Quality Asset Recovery is not a scam. They have been operational for 16 years, although their practices may raise red flags among consumers.
Can Quality Asset Recovery Garnish My Wages?
Yes, QAR can garnish your wages, especially for federal student loans or if they secure a court judgment against you. Understanding the laws regarding wage garnishment in your state can help you navigate this issue.
Can QAR Sue Me?
Quality Asset Recovery has the legal right to sue you if the debt falls within the statute of limitations. Knowing your local laws can help determine whether they can pursue legal action.
Can QAR Report My Debt to Collection Bureaus?
Debt collectors are allowed to report collection accounts to credit bureaus. If they report inaccurate information, you have the right to dispute it.
Can QAR Arrest Me?
Debt collectors cannot arrest you for an unpaid debt. However, if you violate a court order—such as failing to appear for a court hearing—a judge could issue a warrant for your arrest. Depending on your state’s laws, you might also face arrest for certain debts, such as unpaid child support or traffic violations.
Documented Complaints Against Quality Asset Recovery
To further emphasize the seriousness of their practices, here are examples of documented complaints lodged against Quality Asset Recovery in the past year, as reported on Pacer.org:
- 2:06-cv-05993-PGS-ES Padilla v. Quality Asset Recovery
- 1:14-cv-05626-JEI-JS Bowen v. Quality Asset Recovery
- 1:16-cv-01151-JBS-AMD Stafford v. Quality Asset Recovery
- 1:16-cv-01606-JBS-JS Pulley v. Quality Asset Recovery
- 1:19-cv-08694-RMB-JS Jackson v. Quality Asset Recovery
These complaints highlight the ongoing issues many consumers face with this collection agency.
About The Wood Law Firm
The Wood Law Firm specializes in defending clients against harassment from debt collectors, including harassment through phone calls. If you’re tired of suffering alone, contact our office today to take steps against Quality Asset Recovery harassment. Since 2010, we have supported consumers like you. We proudly maintain an A+ rating with the Better Business Bureau.
Connect with Us
To learn more about safeguarding yourself and preventing harassment from Quality Asset Recovery, call The Wood Law Firm at +1 844-638-1122 or visit our website.
Our Approach
At The Wood Law Firm, we understand that facing harassment from debt collectors can be daunting. Our dedicated team of professionals is here to guide you through regaining control over your life. We take your concerns seriously and work tirelessly to protect your rights.
When you contact us, we begin by assessing your situation. Our team will listen to your experiences and gather all relevant information regarding your case. We provide personalized advice tailored to your needs, helping you understand your options.
Your Rights Matter
Every consumer deserves respect and dignity. We believe knowledge is power and strive to empower our clients by educating them about their rights under the FDCPA. Knowing your rights means you can take informed steps to protect yourself from harassment.
Our goal is to hold debt collectors accountable for their actions. We aim to deter unfair practices and contribute to a fairer debt collection landscape by pursuing legal action when necessary.
Also read: Recovery Solutions Group Debt Collection Harassment
Success Stories from Our Clients
Here are a few testimonials from clients who found relief with The Wood Law Firm:
- “I would highly recommend The Wood Law Firm to anyone experiencing harassment! Their professionalism and clarity regarding my rights were exceptional. They made the entire process straightforward to understand.”
- “I had the pleasure of working with The Wood Law Firm twice. The staff was courteous, helpful, and well-versed in dealing with the collection agencies. The harassing calls ceased, and I even received compensation. I would recommend this firm to anyone facing similar harassment. Very satisfied!”
- “I almost made a costly mistake by paying a debt collector due to misinformation. The Wood Law Firm team was friendly, knowledgeable, and quickly resolved my case. I cannot thank them enough! They took the time to explain my rights and provided me with options to stop the harassment.”
Real People, Real Solutions
At The Wood Law Firm, we pride ourselves on helping real people overcome their challenges. Our clients come from various backgrounds, each with unique circumstances. Yet, they all share one common goal: to regain control of their lives and stop the harassment.
Every situation differs, so we diligently customize our approach for each client. Whether it’s negotiating with debt collectors, filing complaints, or pursuing legal action, we are committed to achieving the best possible outcome for you.
Additional Resources
For further information regarding debt collection practices and your rights as a consumer, check the following resources:
- Debt Collection FAQs – FTC
- The Federal Trade Commission provides a comprehensive guide outlining consumer rights and debt collection practices.
- New Jersey Attorney General
- This resource offers insights into consumer protection laws specific to New Jersey.
- Consumer Finance
- Stay informed about your financial rights and the practices of debt collectors.
- Comenity Bank Phone Harassment
- Learn more about complaints and legal actions against Comenity Bank and similar entities.
- National Enterprise Systems Harassment
- Understand your rights against another common debt collector and learn about their practices.
What to Do if You Experience Harassment
If you believe you’re facing harassment from Quality Asset Recovery or any debt collector, take the following steps:
- Keep Records
Document every interaction you have with the debt collector. Note down dates, times, and the content of conversations. If they send letters, save copies of all correspondence.
- Know Your Rights
Familiarize yourself with your rights under the FDCPA. Understanding your legal protections can empower and help you respond effectively to harassment.
- Dispute the Debt
If you believe the debt is inaccurate or if you wish to challenge the validity of the debt, send a written dispute to the debt collector. Under the FDCPA, you can dispute any debt you believe is invalid.
- Seek Legal Assistance
Contact The Wood Law Firm to discuss your situation. Our experienced attorneys can evaluate your case and provide guidance on the next steps.
- Report the Harassment
If the harassment continues despite your efforts to stop it, report the debt collector to the FTC or your state’s attorney general. Filing a complaint can help protect other consumers from similar experiences.
Also read: Sequim Asset Solutions Phone Harassment
Conclusion
Understanding your rights is crucial when facing Quality Asset Recovery debt collection harassment. Their tactics often violate the law, and you don’t have to endure their harassment alone. Reach out to The Wood Law Firm today at +1 844-638-1122. We are here to help you stop the harassment and regain control of your life.
You deserve peace of mind free from illegal debt collection practices. Don’t let debt collectors intimidate you into submission. With our help, you can stand up for your rights and reclaim your life from harassment.
Contact us today, and let’s take the first step towards a brighter, harassment-free future.
