API Recovery Solutions Phone Harassment?
Is API Recovery Solutions (API) calling you? Stop API Recovery Solutions phone harassment. Do they threaten to take legal action or garnish your wages? Debt collectors may also harass consumers using repeated calls and threats. Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? This is an example of having contacted consumers’ friends as a form of pressure. If so what they are doing is illegal and needs to stop. Such tactics are used to coerce consumers into paying, which is unlawful. You have the legal right to stop API phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is API Recovery Solutions a Scam?
According to the Better Business Bureau website, they have been in business for 7 years. There have been 14 complaints filed against API with the BBB.
Read more here: API Recovery SolutionsBetter Business Bureau.
Who is API Recovery Solutions?
API Recovery Solutions is third party debt collector located in Amherst, New York. API has been a party to a Federal Court case a few times. These cases often name individual defendants, such as owners or managers, who are held personally responsible for illegal debt collection practices.
Address: 3840 E Robinson Rd, Ste 324 Amherst, NY 14228-2001
Phone: (888) 673-0877
API Recovery Solutions has been associated with other companies in the debt collection industry, such as Pinnacle Location Services and Northern Information Services, which have also faced scrutiny from regulators.
These enforcement actions are part of a broader effort to regulate debt collectors nationwide.
API Recovery Solutions Collection Tactics
If they engage in any of the following tactics, you may have a case—these are examples of following illegal tactics used to collect debt:
- ➤ Repeatedly calling you at all hours of the day or night
- ➤ Using threats, intimidation, or harassment to force payment
- ➤ Misrepresenting the amount or nature of the debt
- ➤ Failing to provide written verification of the debt
- ➤ A predatory debt collection operation targeting hardworking consumers by using deceptive methods to collect debts owed
Such tactics can hurt consumers by causing financial and emotional distress, and may result in harsh consequences for those who are unable to pay.
These practices often involve the collection of debts related to various financial products, such as loans and credit cards.
API Recovery Solutions Phone Numbers
- 📲 888-673-0877
- 📲 855-821-7301
- 📲 844-820-5020
- 📲 855-764-8934
- 📲 (888) 673-0877
- 📲 (855) 821-7301
- 📲 (844) 820-5020
- 📲 (855) 764-8934
- 📲 8886730877
- 📲 8558217301
- 📲 8448205020
- 📲 8557648934
If the answer is yes, then you are receiving calls from a known API number. You may be a victim of API phone harassment. The list above is not all the numbers that API uses. The calls can be from different phone numbers and it still be API Recovery Solutions calling you. Contact our office right away so we can start the process to stop API from calling you illegally. Above all, no one should live with harassment!
Regulatory Action Against Debt Collectors
In recent years, the (CFPB) and the New York Attorney General have taken decisive action against predatory debt collectors who use illegal and deceptive tactics to collect debts. Notably, a major enforcement case targeted a network of companies including JPL Recovery Solutions, LLC, API Recovery Solutions, Orchard Payment Processing Systems, Warner Location Services, Keystone Recovery Group, Blue Street Asset Partners, and their affiliates. These companies purchased defaulted consumer debt—such as high interest personal loans, payday loans, and credit card balances—for pennies on the dollar, then aggressively pursued repayment from nearly 293,000 consumers nationwide.
The debt collection operation generated gross revenues of approximately $93 million between 2015 and 2020 by employing a range of deceptive and harassing methods. These included repeated phone calls, false threats of legal action or arrest, and contacting consumers’ friends, family members, and even employers to coerce payment. The complaint alleges that defendant companies like ROC Asset Solutions, Regency One Capital, and Check Security Associates went so far as to orchestrate smear campaigns on social media, all in an effort to extort consumers into paying debts—often without providing the legally mandated disclosures required by law.
As a result of these illegal tactics, the New York Attorney General permanently banned these predatory debt collectors from the debt collection industry, and the CFPB ordered them to pay $4 million in penalties and damages. These regulatory actions are designed to protect hardworking consumers from further misconduct and emotional distress caused by harassing calls, intimidating behavior, and other deceptive tactics.
If you have been targeted by API Recovery Solutions or any other debt collector using similar illegal methods, you have rights under the Fair Debt Collection Practices Act (FDCPA) and the Consumer Financial Protection Act. You can submit complaints to the CFPB or the New York Attorney General, and you may be entitled to statutory damages and attorney fees if you pursue legal action. These agencies are committed to monitoring debt collection activities and taking enforcement action against those who violate fair debt collection practices.
By holding the debt collection industry accountable and requiring companies to provide statutorily required notices, the CFPB and the New York Attorney General are working to ensure that recovery solutions are fair, transparent, and respectful of consumer rights. If you are experiencing harassment, don’t hesitate to seek help and protect yourself from further abuse.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop their harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from API Recovery Solutions. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
Consumer Rights Law Firm is amazing! Derek was A+ all the way getting a Debtor to stop harassing me & even had them pay the court costs & fees! I am flabbergasted- had to pinch myself even!!! Thank you SO much Derek! Would most definitely recommend this firm to anyone who is going through the same thing. Give them a call!⭐⭐⭐⭐⭐
I ran into several financial hardships over the last few years. Constantly harassed by a company to pay up on fees owed that I wasn’t entirely sure were owed… because I was so overwhelmed. Scott and his crew came to my rescue. I was a bit unsure first wondering if it was a scam.:. But it was not! Scott got my close to $1,000 debt dropped and had the company pay the lawyer fees. I also haven’t received anymore harassing phone calls from the company that was trying to collect the debt. Thank you so much Scott!⭐⭐⭐⭐⭐
Frequently Asked Questions
Who is API Recovery Solutions?
API Recovery Solutions is a debt collection company (also operating under names such as ROC Asset Solutions) that purchases defaulted consumer debt and attempts to collect it. Legal filings allege they used deceptive or harassing tactics.
What does API Recovery Solutions phone harassment involve?
Phone harassment by API Recovery Solutions may involve repeated calls, threats of legal action, contacting employers or third-parties, or trying to collect amounts not legally owed. Such practices may violate the Fair Debt Collection Practices Act (FDCPA).
Can API Recovery Solutions call me multiple times per day?
No. Debt collectors (including API Recovery Solutions) cannot call you excessively with the intent to harass. Repeated calls throughout the day may be a violation of the FDCPA.
Is API Recovery Solutions allowed to call me at work?
They may contact your workplace only under limited circumstances, but repeatedly calling you at work (especially after you’ve asked them not to) may constitute harassment under the FDCPA.
What should I do if API Recovery Solutions is contacting family or friends about my debt?
Under federal law, a debt collector cannot disclose details of your debt to third-parties (friends, family, employer) except for limited purposes. If API Recovery Solutions is doing so, document it, send a cease-communication letter, and contact a consumer rights attorney.
Can API Recovery Solutions threaten legal action or arrest?
Debt collectors may threaten legal action only if they truly intend to sue and have the legal basis. False threats of arrest, wage garnishment, or property seizure by API Recovery Solutions can be illegal.
How can I dispute a debt with API Recovery Solutions?
You have the right to a validation notice. Within 30 days of that notice you may dispute the debt in writing. API Recovery Solutions then must provide proof of the debt before continuing collection efforts. Failing to respond or providing inadequate proof may violate your rights.
Which laws protect me from harassment by API Recovery Solutions?
Key protections include the Fair Debt Collection Practices Act (FDCPA) for third-party collectors and the Telephone Consumer Protection Act (TCPA) for certain phone calls. If API Recovery Solutions violates these laws you may have legal claims.
Can I sue API Recovery Solutions for phone harassment?
Yes. If API Recovery Solutions violates the FDCPA, TCPA, or other applicable laws you may recover statutory damages (up to $1,000 under the FDCPA), plus attorney’s fees and costs, and potentially actual damages for emotional distress.
How can a consumer rights law firm help with API Recovery Solutions phone harassment?
A consumer rights law firm can stop the calls on your behalf, send legally effective letters, file complaints with the (CFPB) and state regulators, and pursue litigation if API Recovery Solutions has violated your rights. Documenting calls, keeping records, and legal representation significantly strengthens your position.
