Central States Recovery Debt Collection Harassment?
Central States Recovery Debt Collection Harassment does not have to stress you out. Does your phone ring every day, several times per day? Has Central States Recovery threatened you with legal action? Finally, do you wish there was a way to make the calls stop? You came to the right place. The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector chooses to violate the FDCPA, you can sue the collector in court. If you believe your rights have been violated, you can file a claim against the debt collector.
The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs, for each violation of the FDCPA. Legal action can sometimes result in settlements for the consumer, and in some cases, consumers have been paid compensation as a result of successful legal action.
Is Central States Recovery a scam?
According to the Better Business Bureau website, Central States Recovery has been in business since 1986. There have been 25 complaints closed in the last 3 years and 10 complaints closed out in the last 12 months. Many companies in the debt collection industry are subject to similar scrutiny and complaints. Read more here: Central States Recovery Better Business Bureau.
What is Central States Recovery?
Central States Recovery is a debt collection agency known for old fashioned services, accountability and attention to detail. Currently, 95% of CSR’s clientele are healthcare providers. As a debt collection agency, Central States Recovery is responsible for collecting debts on behalf of these healthcare providers.
They manage accounts and debts that have been referred to them by the original creditor. When contacted about a debt, consumers should verify the original creditor’s information to ensure accuracy. Debt collection agencies like Central States Recovery have legal obligations under state laws to follow proper procedures when collecting debts. Sometimes, identity theft can result in accounts being sent to a collection agency in error, so it is important to review any collection notices carefully. Central States Recovery may attempt to contact debtors to collect outstanding debts.
Central States Recovery Address: P.O. Box 3130 Hutchinson, KS 67504 Phone: (620) 663-8811
Central States Recovery Phone Harassment Examples
If Central States Recovery engages in any of the following tactics, you may have a case:
- ➡️ 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 (Collectors are not allowed to discuss your debt with your family members; they may only contact family to verify your contact information.)
- ➡️ Calling your workplace
- ➡️ Threatening to sue you, harm you, or destroy your credit
- ➡️ Telling you or anyone else 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
Collectors may use multiple phone numbers to contact you as part of their collection attempts.
You can send a letter to the collection agency requesting that they stop contacting you.
You also have the right to begin disputing the debt and can request proof that you actually owe it.
Central States Recovery Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📱 (620) 663-8811
If the answer is yes, then you are receiving calls from a known Central States Recovery number. You may be a victim of Central States Recovery phone harassment. The list above is not all the numbers that Central States Recovery uses. The calls can be from different numbers and it still be Central States Recovery calling you. Contact our office right away so we can start the process to stop Central States Recovery from calling you illegally. Above all, no one should live with harassment!
Preventing Debt Collection Harassment
Dealing with debt collection agencies like Central States Recovery can be overwhelming, especially when they engage in unfair debt collection practices. To prevent debt collection harassment, it’s essential to understand your consumer rights under state and federal laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws regulate the behavior of debt collectors, ensuring they do not harass or intimidate consumers.
When a debt collector like Central States Recovery contacts you, they must provide written notice within five days of initial contact, including the debt amount, the original creditor’s name, and your right to dispute the debt. You have the right to dispute the debt in writing within 30 days, which halts collection efforts until verification is provided. It’s crucial to keep a record of all communication with the debt collector, including phone calls, letters, and payments.
To stop unwanted calls from Central States Recovery, you can send a written notice requesting them to cease contact. This notice should be sent to the debt collector’s address, and you should keep a copy for your records. Once the debt collector receives this notice, they must stop calling you, except to confirm they will no longer contact you.
In addition to stopping unwanted calls, you can also dispute inaccurate information on your credit report. Under the FCRA, you have the right to dispute errors or inaccuracies on your credit report, and the credit reporting agency must investigate and correct any errors. If Central States Recovery is reporting inaccurate information on your credit report, you can dispute this information and request it be removed.
It’s also important to be aware of your rights when dealing with debt collectors. Debt collectors are prohibited from making false or misleading statements, using threats or intimidation, or contacting you at inconvenient times or places. If you believe Central States Recovery has violated your rights under the FDCPA or FCRA, you can file a complaint with the Federal Trade Commission (FTC) or your state’s Attorney General’s office.
Common Questions:
Is Central States Recovery a scam?
No, Central States Recovery has been in business since 1986. However, if you see debts on your credit reports that you do not recognize, it could be due to identity theft or reporting errors. Always verify the original creditor’s information and request proof of the debt before making any payment. If you believe the debt is not yours, you can send a letter disputing the debt and requesting validation.
Can Central States Recovery seize my property?
Central States Recovery can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court. For example, after a court judgment, a debt collector may be able to garnish wages or levy a bank account to satisfy the amount owed.
Can Central States Recovery sue me?
Yes, Central States Recovery can sue you so long as the debt is within the statute of limitations. It is important to note that not all collection agencies are successful in attempting legal action, and some may not own the debts they are attempting to collect. If you are sued, you should discuss your options with a legal professional, especially if you believe your rights have been violated.
Can Central States Recovery report my debt to the collections bureaus?
Yes, collection accounts can appear on your credit reports and may impact your credit score. Unpaid debts can result in higher interest rates on future loans. It is important to review your accounts for accuracy and dispute any errors.
Can Central States Recovery arrest me?
No, you cannot be arrested for owing a debt. However, you have obligations to respond to legitimate collection efforts, and collectors must follow the law and avoid violations such as harassment or misrepresentation.
Settlements can sometimes be reached to resolve debts, and in some cases, consumers have been paid compensation after legal disputes. If you are considering paying or settling a debt, make sure to get any agreement in writing and confirm the original creditor’s details. If you believe your rights have been violated, discuss your situation with a legal professional.
The following is a sample list of complaints filed against Central States Recovery and can be found on Pacer.gov.
- 🔗 2:18-cv-02269-JAR-TJJ Taylor v.
- 🔗 6:12-cv-01084-JWL-KGS Pennel v.
- 🔗 2:12-cv-02073-RDR-KGS Wells v.
- 🔗 2:12-cv-02034-KHV-GLR Brockway v.
- 🔗 2:10-cv-02225-CM-KMH Roehrman v.
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 the Central States Recovery 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 even more harassment from Central States Recovery , call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I was receiving nonstop calls from a debt collector using multiple numbers. It was overwhelming. A friend recommended Consumer Rights Law Firm PLLC, and I’m so glad I reached out. They immediately sent a cease-and-desist letter on my behalf and within a few days, the calls completely stopped. They also helped me understand my rights under the FDCPA. Highly recommend them to anyone feeling helpless against collectors.
- 🏆 The debt collectors were calling me early in the morning and late at night. I didn’t even know if the debt was real. Consumer Rights Law Firm PLLC took over my case and forced the collectors to verify the debt. Turns out, it wasn’t even mine! Thanks to them, the harassment ended and my peace of mind was restored. They truly know how to handle these bullies.
- 🏆 After weeks of harassing voicemails and threats from a collection agency, I contacted Consumer Rights Law Firm PLLC. They were so knowledgeable and supportive. They reviewed the call logs, found multiple FDCPA violations, and ended up filing a lawsuit. I won a $1,000 settlement! Not only did they stop the calls, they held the collectors accountable. Amazing legal team!
- 🏆 I didn’t know I had rights until I found Consumer Rights Law Firm PLLC. A collector was threatening wage garnishment without even validating the debt. The firm stepped in, forced the collector to prove the debt, and showed they were violating the law. No more calls, no more stress. These guys are true consumer advocates.
