🚨Diversified Recovery Bureau Debt Collection Harassment❓
Routine collection calls from the Diversified Recovery Bureau can indeed be overwhelming, and experiencing debt is often depressing. Finding solutions feels impossible when basic needs are unmet, and unfortunately, debt collectors rarely consider your financial situation. This can escalate into Diversified Recovery Bureau debt collection harassment, adding to the stress.
Although Diversified Recovery Bureau debt collection harassment is illegal, it is completely lawful for them to contact you and ask to discuss it. It is also lawful for them to sue you in court if you continuously ignore the phone or if you are unable to find a workable solution towards paying off your debts. Even after a debt is settled or paid, the collections account still appears on your credit report for a significant period, which can negatively impact your credit score. If you further ignore the lawsuit filed against you by your debt collector in court, it often makes them very happy because it means that they can get a default judgment leveled against you or have a warrant issued for your arrest. Debt collectors will attempt to contact you persistently regarding your debts.
In any case, debt collectors shouldn’t press you or threaten you with extreme acts such as arrest if they do not have a court-issued warrant permitting them to have you arrested. They should also speak to you with respect and call you at appropriate times of the day. Suppose your debt collection experience with the Diversified Recovery Bureau debt collection agency is not as smooth as this. In that case, you may be able to sue them in court for Diversified Recovery Bureau debt collection harassment, which is a direct violation of your FDCPA rights and obtain a judgment in your favor. You may be awarded up to $1000 in statutory damages and, at times, have a part or the entire sum of your debt waived. Call us at 877-700-5790 if you would like to take legal action against your harassing debt collector or simply discuss your options.
If you’re in a very bad financial state, you may want to consider certain options to make resolving your debts easier. One of these options available to you is debt settlement.
🔍Is Debt Settlement a Good Option For Me❓
If you’re in a very unpleasant and tough financial situation, and you’re going deeper in debt, you may want to consider debt settlement as a means to resolve your financial woes. Debt settlement involves negotiating with your debt collectors on your own or through the help of a credit counselling agency in a bit to reach a fair agreement that enables you to find an easier way to settle your debt. Understanding the laws surrounding bank garnishments is crucial for consumers dealing with collection agencies, especially when facing issues like Diversified Recovery Bureau debt collection harassment. Creditors or debt collectors may not always agree to this because it means they are going to receive less than the full payment. Still, it is always worth the try because they also often agree to it, as they usually purchase debt for pennies on a dollar. If you are in such a dire situation financially that you are considering filing for bankruptcy, you may want to consider filing for a debt settlement instead of bankruptcy.
Debt settlement involves you as a consumer putting aside money monthly in an escrow account for 36-48 months until the money gets to the reasonable amount which you have agreed to with your debt collector. If your debts are discharged under debt settlement, you do not have to pay the full amount you owe; however, you may have to still pay taxes on the amount forgone and the entire process may have dire consequences on your credit score. The timing, marked by the date of first delinquency, influences the duration a collections account, including those from entities like Diversified Recovery Bureau debt collection harassment, remains on a credit report and its ongoing impact on credit scores. Reach out to a qualified professional for counseling before you decide whether or not debt settlement is the best option for you.
🔍Who is Diversified Recovery Bureau❓
Diversified Recovery Bureau is a legitimate company and third-party debt collector located in Buffalo, New York.
📞Contact Information
Address: 40 Gardenville Pkwy W Ste 201
West Seneca, NY 14224-1387
Phone: (844) 275-9274
🔍Is Diversified Recovery Bureau a Scam❓
According to the Better Business Bureau website, the Diversified Recovery Bureau has been in business for 3 years. The company emphasizes a strong client-focused approach, tailoring its processes and strategies to meet the specific needs of its clients. In their 3 years of business, there have been 10 complaints filed against DRB with the BBB. Please read all about it here: Diversified Recovery Bureau Better Business Bureau
📞Diversified Recovery Bureau Phone Numbers
Are you receiving Diversified Recovery Bureau debt collection harassment calls from any of the following numbers?
888-612-3634, 716-204-7147, 844-275-9274, 844-274-2305, (888) 612-3634, (716) 204-7147, (844) 275-9274, (844) 274-2305, 8886123634, 7162047147, 8442759274, 8442742305, 580-210-5479, 323-302-9072, 323-553-8890, 336-383-1331, 218-282-4010, 612-324-4871, 813-331-0652, 888-612-3634, 323-553-8498, 209-289-0461, 715-953-4988, 888-612-3634, 740-224-1163, 626-544-5767, 626-544-5673, 903-207-8229, 833-282-1326, 888-612-3634, 707-232-8148, 833-282-1326
If the answer is yes, then you are receiving calls from a known DRB number. If you are receiving any form of harassment during these calls, do not hesitate to reach out to a qualified professional at 877-700-5790 for help.
⚖️Fair Debt Collection Practices
Fair debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA). This federal law regulates the behavior of debt collectors, including Diversified Recovery Bureau debt collection harassment. The FDCPA prohibits debt collectors from engaging in abusive, harassing, or deceptive practices when attempting to collect a debt. This means that debt collectors cannot use threats, obscene language, or repeatedly call you to annoy or harass you. They must also provide accurate information and cannot misrepresent the amount you owe. Understanding these protections can help you recognize when a debt collector is crossing the line and violating your rights.
📜Consumer Rights and Protections
As a consumer, you have the right to be treated fairly and respectfully by debt collectors. Here are some of the key rights you have under the FDCPA:
- Receive Written Notice: You have the right to receive written notice of the debt, including the amount owed and the name of the creditor.
- Request Verification: You can request verification of the debt if you believe it is incorrect or not yours.
- Dispute the Debt: If you believe the debt is incorrect or not yours, you have the right to dispute it.
- Stop Contact: You can request that the debt collector stop contacting you.
- Sue for Violations: If a debt collector violates the FDCPA, you have the right to sue them.
These rights are designed to protect you from unfair and abusive debt collection practices. If you feel that your rights have been violated, it’s important to take action and seek legal assistance.
📉Credit Score Impact
Diversified Recovery Bureau debt collection harassment can lead to a collection account on your credit report, which significantly impacts your credit score. The credit scoring models used by the major credit reporting agencies, such as FICO and VantageScore, consider collection accounts to be negative information. This means that having a collection account can lower your credit score, making it more difficult to obtain credit in the future. The impact of a collection account on your credit score can be severe, and it may take several years for the account to be removed from your credit report. It’s crucial to address collection accounts promptly to minimize their impact on your credit.
📜State-Specific Laws and Regulations
In addition to the FDCPA, some states have their laws and regulations governing debt collection practices. For example, New York, where the Diversified Recovery Bureau is based, has debt collection laws that provide additional protections for consumers. These state-specific laws can offer more stringent regulations and greater protections than federal laws. It’s essential to familiarize yourself with the laws and regulations in your state to understand your rights and protections when dealing with debt collectors. Knowing your state-specific rights can empower you to take appropriate action if you experience unfair debt collection practices.
🔍Do you have a Question❓
If you have an unanswered question about Diversified Recovery Bureau debt collection harassment or about debt collection harassment in general, do not hesitate to reach out to us here.
The following is a sample list of complaints filed against Diversified Recovery Bureau debt collection harassment in the past year and can be found on Pacer.gov.
0:18-cv-61149-CMA Gerstenhaber v. Diversified Recovery Bureau
1:19-cv-01090-JRS-MPB Williamson v. Diversified Recovery Bureau
4:19-cv-01192-RLW Foulon v. Diversified Recovery Bureau
8:17-cv-01682 Bell v. Diversified Recovery Bureau
2:18-cv-02605-JAM-KJN Whittier v. Diversified Recovery Bureau
⚖️About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing Diversified Recovery Bureau debt collection harassment. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop Diversified Recovery Bureau debt collection harassment you may currently be receiving from Diversified Recovery Bureau. 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.
