Complete Payment Recovery Services Phone Harassment?

Complete Payment Recovery Services Phone Harassment?

Is Complete Payment Recovery Services (CPRS) calling you? A third party collection agency is an agency assigned to pursue and recover debts on behalf of the original creditor. They are called third-party because their services are only employed when the original creditor is unable to recover the debt from the consumer. Creditors and businesses who employ the services of debt collectors pay them a commission when they successfully recover the debt. This is why a debt collector may seem relentless in his attempt to get you to pay your debt. Debt collectors contact debtors mostly through phone calls to discuss their debts. Debt collectors may contact you directly on your line, so it is important to understand your rights when receiving such calls. A debt collector may call your family member or relation (whose number they find on the information given to them by your creditor), to request for your number or address. However, debt collectors are not allowed to disclose any information on your debt to your family or friends who are not authorized to know details about your debt. Failure to comply would be a violation of your FDCPA rights.

If a debt collector is calling and harassing your family and friends, they are violating the FDCPA. Also, if a debt collector is calling you many times a day, threatening to send you to jail, cursing, or using profane words in their communication with you, they are violating your rights and you have the right to sue them and get awarded up to $1,000 in statutory damages. If you suspect that a debt collector is violating your rights, call us immediately on (877)700-5790 to get qualified assistance.

Should I Verify a Debt?

Debt verification is one of the rights of debtors according to the FDCPA. Debtors have the right to ask for debt verification when a debt collector calls. Debt collectors must verify a debt when the debtor requests for that. Verifying a debt involves giving sufficient information about the debt to enable the debtor to confirm if they actually owe the debt or not. When verifying a debt, obtaining documentation such as a debt validation letter or a copy of your credit report is crucial to confirm the legitimacy of the debt. It is important that you verify debts that you’re asked to pay because some debt collectors are dishonest and may inflate the debts, making you pay more than you actually should. Scandalous debt collectors may also be trying to wittily restart the clock on a loan that has either been settled or discharged in bankruptcy. Information contained in a debt validation letter such as the name of the original creditor, the amount of the debt, the date of the debt, and the contact information of the original creditor can prove instrumental in successfully navigating your debt collection case and should be provided by the debt collector.

Knowing how to respond to debt collectors’ requests for payment or information is essential to protect your rights and manage your debt effectively.

Who is Complete Payment Recovery Services?

Complete Payment Recovery Services is a third-party debt collector located in Northport, Alabama. CPRS has been a party to a Federal Court case over 45 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

🏛️ Address: 3500 5th St Northport, AL 35476-4723

📞 Phone: (866) 324-3120

The headquarters staff at CPRS is relatively small, with a limited team managing operations from their Northport office. CPRS typically handles accounts that have been sent to collections, and may report these accounts to credit bureaus.

Is Complete Payment Recovery Services a Scam?

No, they are an approved debt collection agency. According to the Better Business Bureau website, Complete Payment Recovery Services has been in business for 18 years. The BBB established a profile for Complete Payment Recovery Services to provide consumers with verified information. There have been 55 complaints filed against CPRS with the BBB. We encourage you to review the information and consumer experiences available on the BBB profile page. Read more about Complete Payment Recovery Services here on the official profile page: Complete Payment Recovery Services Better Business Bureau.

Complete Payment Recovery Services Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

• 📲 866-324-3120
• 📲 205-750-4130
• 📲 904-438-6000
• 📲 866-838-6092
• 📲 (866) 324-3120
• 📲 (205) 750-4130
• 📲 (904) 438-6000
• 📲 (866) 838-6092
• 📲 8663243120
• 📲 2057504130
• 📲 9044386000
• 📲 8668386092

If the answer is yes, then you are receiving calls from a known CPRS number. You may be a victim of CPRS phone harassment, and you should contact us on (877)700-5790. Many complaints allege problems with Complete Payment Recovery Services’ debt collection practices, including issues with communication and billing.

Complaints Against Complete Payment Recovery Services

The following is a sample list of complaints filed against Complete Payment Recovery Services in the past and can be found on Pacer.gov.

• 📋 1:13-cv-02072-JKB Baiden v.
• 📋 2:14-cv-01318-AKK Norman v.
• 📋 3:12-cv-00159-RL-CAN Boht v.
• 📋 5:16-cv-00818-FMO-MRW Melonson v.
• 📋 5:17-cv-01805-AB-JC Halpin v.

Payment Recovery Services and the Law

Complete Payment Recovery Services (CPRS), like all third-party collection agencies, is required to operate within the boundaries set by federal laws designed to protect consumers from unfair and abusive debt collection practices. The Fair Debt Collection Practices Act (FDCPA) is the cornerstone of these protections, outlining strict guidelines for how debt collectors must conduct themselves. Under the FDCPA, payment recovery services are prohibited from using harassing phone calls, making false statements, or employing any deceptive tactics to collect debts. This means that CPRS cannot threaten, intimidate, or mislead you in their attempts to recover money on behalf of a creditor.

In addition to the FDCPA, the Telephone Consumer Protection Act (TCPA) restricts the use of automated dialing systems and prerecorded messages, giving telephone consumers the right to limit unwanted calls from a debt collection agency. If you receive repeated or unsolicited calls from CPRS, you have the right to request that these calls stop, and you can file a complaint if the company fails to comply. The TCPA empowers consumers to take action against harassing or excessive phone calls, helping to curb debt harassment.

The Fair Credit Reporting Act (FCRA) also plays a vital role in the debt collection process. When a debt collection account is reported to credit bureaus, CPRS must ensure that all information is accurate and up-to-date. If you notice errors or incomplete details on your credit report related to a debt being collected by CPRS, you have the right to dispute the information. The company is then obligated to investigate and correct any inaccuracies, protecting your credit reputation and ensuring fair debt collection practices.

CPRS’s payment portal, which allows consumers to make payments online using a claim or control number, must comply with the Electronic Fund Transfer Act (EFTA). This law safeguards your financial information and ensures that all electronic payments are secure and authorized. Maintaining accurate records of payments and communications is not only a legal requirement for CPRS but also helps prevent disputes and provides transparency throughout the payment recovery process.

Oversight organizations such as the Better Business Bureau (BBB), the Federal Trade Commission (FTC), and the (CFPB) monitor the activities of collection agencies like CPRS. These agencies address complaints alleging problems with debt collection practices and provide resources for consumers who believe their rights have been violated. If you feel you have been subjected to debt harassment, identity theft, or other violations, you can seek help from a law firm experienced in debt collection laws, such as Consumer Rights Law Firm PLLC.

By understanding your rights and the legal obligations of debt collectors, you can take control of your situation and protect yourself from unfair practices. Complete Payment Recovery Services, as a debt collection agency, must follow all relevant laws and regulations, ensuring that consumers are treated with respect and fairness throughout the debt recovery process. If you believe your rights have been violated, don’t hesitate to take action and seek the support you need to resolve the issue.

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. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Complete Payment Recovery Services. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

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