Eastpoint Recovery Phone Harassment?
Is Eastpoint Recovery harassing you with unwanted phone calls that you would rather not receive? If yes, then you need to have the right knowledge to properly handle an Eastpoint Recovery Group, Inc. debt collection call. Most times, Debt collectors like Eastpoint Recovery Group, Inc. call unexpectedly and this is the main reason most people make mistakes in their interactions with debt collectors.
A point comes in life where you have to become responsible for your bills and finances and it doesn’t go without saying that most times, it is no easy job. When financial situations become hard, people may fall into debt and eventually start getting calls from third-party debt collectors like Eastpoint Recovery. If this situation aptly describes you, you need not worry, Eastpoint Recovery debt collection is completely normal and is experienced by a massive number of average American consumers during their lifetime.
It, however, becomes worrisome when Eastpoint Recovery’s debt collection process becomes abusive, and you are threatened, harassed, and coerced into paying off a debt by your third-party debt collector. The law speaks up against these unscrupulous deeds like Eastpoint Recovery phone harassment through acts like the FDCPA and the TCPA.
The FDCPA and TCPA provide an avenue for consumers to get justice for Eastpoint Recovery phone harassment and any other unfair treatment they receive from any debt collection agents. If you suspect that Eastpoint Recovery debt collection is begining to violate your debt collection rights in any way, you may be able to sue them and receive statutory damages under the FDCPA and TCPA.
Seek the help of qualified legal assistance by calling 877-700-5790 now, to find out if you have a case they may be admissible in court.
What options are available to me if I’m getting calls from Eastpoint Recovery?
Being in debt is not the end of the world. Life is full of ups and downs and being in debt is just one of the downtimes. With the right guidance and knowledge, you will come out of it. It is advisable to resolve your debt as soon as possible if you have the means to. There are several clever options available to you that may help you resolve your debt more easily. Below are a few of the options that you may consider to help you get out of the sticky debt situation you currently find yourself in.
Debt consolidation lowers the overall interest rate on loans by consolidating them under one single, bigger loan. It allows you to take a new, larger loan (with more favorable payment terms) under which all smaller debts are covered.
Consumer Credit Counseling
Credit counseling supplies you with necessary support and guidance as it relates to debts, budgeting, and debt management. Credit counseling organizations have trained counselors who discuss people’s financial situations with them and educate them on things like budgeting and management. A credit counselor seeks to help you avoid bankruptcy, and even negotiate with your creditors to decrease interest rates.
Another good idea to help you pay off loans on a low income is to find out if you can save money by refinancing your loan. By refinancing your loan, you get another debt collection organization to buy out your debt, and you begin making payments to your new debt collector. Debt refinancing companies usually offer lower interest rates on loans, which can save you up to thousands of dollars in the long-run.
Debt restructuring should be an option you consider only when you are in the deepest of financial troubles. It involves exchanging an already existing contract for a new one. The new contract may lengthen the due date of the principal payment on a debt agreement, or modify the interest payment intervals. This, however, hurts your credit score.
In a debt settlement agreement, the debt collector agrees to close your debt if you pay an agreed amount lower than your original debt. Debt settlement can however be quite tricky because it hurts your credit score and, in some cases, it requires that you pay taxes on the amount of the debt that was waived. A debt collector may also trick you into settling an already paid debt, or a debt for which the statute of limitations has expired; which revives the statute of limitations on the debt.
Time Barred Debts
What is a Time Barred Debt? A Time Barred Debt is a debt that has gotten too old for the debt collection agency or the creditor to sue you over. This debt has little or no chance of being collected.
The statute of limitations is a law that dictates to a debt collector how long it would be possible to sue a debtor over a delinquent debt. In most states it would take three to six years, but it can be longer, depending on the state. So when next a debt collector calls you to collect a debt, you must check if the debt has expired.
It is a violation of the Fair Debt Collection Practices Act (FDCPA) for a debt collector to threaten to sue you over an already expired debt. The Federal Trade Commission (FTC) can sue the debt collector for violating the law. If you get sued sued even after the debt has expired you can prove to the court that though you did owe, the statute of limitations has expired. But don’t ignore the lawsuit in the defence that it has expired, it could turn against you when the court says you must pay because you weren’t there to defend yourself in the first place. The debt collector might be offered a default order to pursue you over the debt or garnish your account.
That the statute of limitations has expired doesn’t mean that the debt collector won’t still come after you to pay, but those calls must respect the law, and they must inform you that your debt is beyond the statute of limitations. You can, however, send a cease and desist letter to the debt collector asking them to stop contacting you, then ask for a verification of the debt and the details of the date for payment.
Who is Eastpoint Recovery?
Eastpoint Recovery Group is a third-party debt collector located in Buffalo, New York. Infamous for its usual failure to respond to consumer complaints, the company was founded in 2011 and is headed by President Danielle Green.
Address: 1738 Elmwood Ave
Buffalo, NY 14207-2465
Phone: (800) 459-2417
Is Eastpoint Recovery a Scam?
Eastpoint group is not a scam but rather, a legitimate debt collector. According to the Better Business Bureau website, Eastpoint Recovery has been in business for 8 years. There have been 15 complaints filed against ER with the BBB. Read more about it here: Eastpoint Recovery Better Business Bureau
5 Secrets Eastpoint Recovery doesn’t want you to know
1. They do not have time on their side
Usually, creditors have between 5 and 10 years to take any legal action that they plan to take in order to compel you to repay the amount that you owe to them in delinquent debt. This period of time is what is known as the statute of limitations, and after the statute of limitations expires, they are no longer allowed to take you to court over the non-payment of a debt that they claim you owe. It is important to note that the debt itself doesn’t just go away simply because the statute of limitations has passed. Nevertheless, knowing whether or not the statute of limitations has expired is beneficial to you because if the statute of limitations has passed and debt collectors continue to threaten you with legal action, you may be able to pursue a claim of debt collection harassment and secure compensation.
2. They are incentivized by bonuses, commissions, and profits
The profits or commissions that debt collectors garner from the collection of debt from delinquent debtors serves as a great incentive for them to try to get the most money possible from the people who owe. Some agencies who hire debt collectors to collect on their delinquent accounts for them actually pay thousands of dollars in bonuses to the agencies who collect the most amount of money and get the highest number of consumers to resolve their debt. Offering bonuses to high-performing debt collectors in itself is not illegal, however, it incentivizes some debt collectors to get greedy and try to employ sneaky, unethical measures in the collection of a debt (such as convincing a consumer that they owe more than your actual debt).
We understand that when you have large debts, it may be difficult to keep track of the money you owe versus what you’ve paid, and this is why we always say that the best defense against such false statements that a debt collector may utter is to keep all of the bills you receive, alongside records of all the exchanges you have had with the debt collection agency. Even if you are in a situation where it will be difficult for you to pay, knowing how much you are contractually obligated to pay can save you from falling victim to a trigger-happy debt collector. If a debt collector purposely exaggerates the amount that you owe in a bid to try to line their own pockets, then they are guilty of violating the FDCPA laws and as such may be charged with debt collection harassment.
3. They are prohibited from calling you whenever or wherever they please
If you are way behind on your debt payments, then you will most likely receive a debt collection call from the representative of a debt collection agency. Whenever you receive a routine collection call, you will notice that sometimes there is a debt collector on the other end of the phone, and other times it’s a robocall.
Signing up for the Do Not Call List won’t protect you from receiving unsolicited robocalls. Agencies such as telemarketers and banks and expected to abide by the rules stipulated by the Do Not Call registry, however, debt collectors are excepted from the rules governing spam calls. Even though debt collectors are exempted from the DNC registry, they are however still required to abide by certain rules. A few of such rules include:
• Debt collectors are prohibited from calling you between the hours of 9 p.m. and 8 a.m.
• Debt collectors are prohibited from calling you at work unless you have expressly given them permission to do so
• Debt collectors are prohibited from calling you on a home or cell phone number if you did not provide consent to be contacted by phone, or you have sent a cease-and-desist letter requesting not to receive further phone calls
Additionally, you may have given your consent to receive debt collection calls without even realizing that you have. By not reading the fine print in a loan application, credit card application, or another form that likely included some language stating that you agree to receive telephone correspondence by providing your information and signing on the dotted line, you may have unknowingly signed up to get pestered by debt collectors. Regardless, just because you overlooked the fine print on a debt application does not give debt collectors the right to harass you with repeated phone calls, wake you up at ungodly hours, or bother you at work. Doing so amounts to debt collection harassment which is a violation of your FDCPA rights.
4. Eastpoint Recovery does not Have the Right to Publicize Your Debt
Many people who find themselves unable to resolve their debt feel ashamed that they have fallen behind on their payments. Greedy debt collectors who will do anything just to make a buck might try to use this shame to their advantage by “exposing” the amount you owe to people such as:
• Members of your family
• Your friends
• Your boss
• The general public, via way of social media and the internet
This is intimidation and it is illegal and a violation of your rights to a fair debt collection process. If debt collectors have tried to employ any of the means mentioned above to shame you publicly as a means of getting you to pay, you may be able to sue them for violating the FDCPA laws and be eligible for compensation.
5. There are several options that are available to you for resolving your Debt
When it comes down to the resolution of your debts, the options available to you exceed simply agreeing to pay off the bat or calling up the agency and discussing repayment plans. However, when you consider the financial incentive that exists for debt collectors when they get you to pay the maximum amount possible, one can get a clearer picture of why they don’t want you to know that you may have options that are available to you when it comes to the resolution of your debt for good, such as:
• Paying off the debt over time in installments that suit the income that you earn
• Settling with the debt collection agency on an amount (which is usually lower than what you owe) that settles the debt for good
• Bypassing the debt collector and working directly with the original creditor to resolve your debt (in cases where your debt has not already been sold to a debt collection agency).
In the final analysis, you must remember that debt collectors are trained and paid to make it as difficult as possible for you to resolve your debt on your terms. That is why we always advise that it will be in your best interest to hire an experienced attorney to act on your behalf and represent you throughout the negotiation process.
Eastpoint Recovery Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-459-2417, 716-362-0462, 716-256-1708, (800) 459-2417, (716) 362-0462, (716) 256-1708, 8004592417, 7163620462, 7162561708,
If the answer is yes, then you are receiving calls from a known ER number. You may be a victim of Debt collection harassment. Call us now on 877-700-5790 to weigh your options.
The following is a sample list of complaints filed against Eastpoint Recovery in the past year and can be found on Pacer.org.
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. Contact our office to begin the process of stopping the harassment from Eastpoint Recovery debt collection agency. 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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