Express Claims & Recovery Services Debt Harassment?
Is Express Claims & Recovery Services harassing you with constant phone calls? Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. Debt collectors, including debt collection agencies, are prohibited from collecting debts through harassment or providing misleading information about the amount owed. You have the legal right to stop their 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. You do not have to pay to assert your rights.
Express Claims & Recovery Services is a legitimate company with a business history and accreditation, not a scam. They are one of many companies that pursue financial obligations on behalf of creditors.
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 and companies must adhere to a certain set of rules when they are collecting from consumers who owe money. If a collector violates the law, you can sue the collector in court. 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.
Is Express Claims & Recovery Services a Scam?
According to the Better Business Bureau website, They have been in business since 2004.
Express recovery reviews and recovery reviews from customers show a mix of positive and negative experiences, highlighting the importance of understanding your rights and the potential for disputes during the debt collection process. Some consumers have left one star reviews, reporting negative experiences and concerns about the company’s collection practices.
Read more here: Express Claims & Recovery Services Better Business Bureau.
What is Express Claims & Recovery Services?
Express Claims & Recovery Services offers clear management solutions for receivables and debt collection.
Address: 475 Northridge St Ste B Rincon, GA 31326-5263
Phone: (877) 551-5678
Fax: (912) 335-5360
Know Your Rights Under Debt Collection Laws
When you’re contacted by a debt collector or debt collection agency like Express Recovery Services, knowing your consumer rights is your best defense against unfair debt collection practices. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws designed to protect you from abusive, deceptive, or misleading collection activities that can negatively impact your credit report and financial well-being.
One of your most important rights is the ability to dispute a debt. If you receive a collection call or letter about an alleged debt, you have the right to request written notice and send a dispute letter to the collection agency. This letter should include your name, address, account number, and a clear statement that you are disputing the debt. Once your written request is received, the debt collector must provide verification of the debt before continuing collection attempts. This process helps ensure that only valid debts are pursued and protects you from paying money you may not actually owe.
How to Stop Debt Collection Harassment
You also have the right to stop debt collection harassment. If you’re receiving calls at inconvenient times, experiencing abusive language, or being threatened with legal action, you can send a written request to the debt collector asking them to cease further contact. By law, the collection agency must honor your request, except to notify you of specific actions such as filing a lawsuit. This empowers you to regain control and stop unwanted collection calls that can cause stress and anxiety.
Debt collectors are allowed to collect debts such as credit card balances, medical bills, unsecured loans, and certain secured loans. However, they cannot collect debts that are past the statute of limitations or have been discharged in bankruptcy. If you believe a debt is invalid or disputed, it’s crucial to gather information, keep detailed records of all communication, and seek advice from a qualified professional, such as a law firm or credit repair company.
Taking Action Against Unfair Collection Practices
If you feel you’re facing harassment or unfair business practices from recovery services collections or third-party debt collectors, you can report information to a government agency like the (CFPB) or the Better Business Bureau. These organizations can help you understand your rights, file complaints, and take further action if necessary. Additionally, working with a reputable credit repair company or legal professional can help you address negative items on your credit report and improve your credit scores.
Remember, you are not alone. If you’re receiving calls from Express Recovery Services Inc or any other collection agencies, take proactive steps to protect yourself. Keep copies of all written notices, dispute letters, and records of collection activities. Be cautious about sharing personal or financial information, and always verify the legitimacy of the company contacting you. If you need immediate assistance, don’t hesitate to seek advice from a trusted professional.
By understanding your consumer rights and the fair debt collection practices required by law, you can confidently navigate the debt collection process, stop debt collection harassment, and work toward financial stability. Whether you’re dealing with recovery services, collection agencies, or credit reporting agencies, knowing your rights is the first step to protecting your financial future.
Express Claims & Recovery Services Harassment Tactics
- ➢ 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
- ➢ 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
Express Claims & Recovery Services Phone Numbers
- ☎️ (877) 551-5678
- ☎️ (912) 355-8593
If the answer is yes, then you are receiving calls from a known Express Claims & Recovery Services number. You may be a victim of Express Claims & Recovery Services phone harassment. The list above is not all the numbers that Express Claims & Recovery Services uses. The calls can be from a different number and it still be Express Claims & Recovery Services calling you. If you are receiving these calls, you should contact Express Recovery Services directly to request debt validation or dispute the debt, and be cautious when communicating with them. Contact our office right away so we can start the process to stop them from calling you illegally. Above all, no one should live with harassment!
If you are experiencing debt harassment, contact us for a free case review to discuss your options.
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 them 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 Express Claims & Recovery Services, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
🏆 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!
🏆 Great service, I️ didn’t have to pay out my pocket for anything . I’m in nc and was being harassed all the way to my dad receiving calls. I️ got my money and I’m happy . No more harassing calls thanks to ScottB
🏆 This firm will not disappoint! Scott does not sleep, I’m convinced of it. You can text/call about the issues you’re facing and you will always get a quick response. They’re handling multiple cases with resolutions for me already. I was afraid to try thinking nothing would come of it or an attorney trying to sell pipe dreams, I was wrong. This is the one to try. They will stop the harassment.
Frequently Asked Questions
Q1: Why is Express Claims & Recovery Services calling me?
A1: Express Claims & Recovery Services may be calling to collect a debt owed to one of their clients. They are a third-party debt collection agency that contacts consumers regarding unpaid balances.
Q2: What is considered phone harassment by Express Claims & Recovery Services?
A2: Phone harassment may include constant or repeated calls, use of abusive language, threats, or contacting you outside legal calling hours between 8 AM and 9 PM.
Q3: Can Express Claims & Recovery Services use robocalls?
A3: Express Claims & Recovery Services cannot legally use robocalls without your prior consent. Doing so could violate the Telephone Consumer Protection Act (TCPA).
Q4: How can I stop Express Claims & Recovery Services from calling me?
A4: You can stop calls by sending a written cease-and-desist letter to Express Claims & Recovery Services. After receiving it, they must stop most forms of contact under the FDCPA.
Q5: What should I do if I don’t owe the debt they claim?
A5: If you believe the debt is not yours, you can dispute it in writing within 30 days of the first contact. Express Claims & Recovery Services must verify the debt before continuing collection efforts.
Q6: Can I sue Express Claims & Recovery Services for harassment?
A6: Yes. If Express Claims & Recovery Services violates your rights under the FDCPA or TCPA, you may be entitled to take legal action and recover monetary damages.
Q7: What laws protect me from Express Claims & Recovery Services phone harassment?
A7: You are protected under the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA), which prohibit abusive or harassing debt collection behavior.
Q8: How can I prove Express Claims & Recovery Services is harassing me?
A8: Keep detailed call logs, save voicemails, emails, and letters, and note every interaction. This evidence helps prove harassment and supports your legal claims.
Q9: Will Express Claims & Recovery Services affect my credit report?
A9: Yes. If the debt remains unpaid, Express Claims & Recovery Services may report it to credit bureaus, which could negatively impact your credit score.
Q10: Who can help me stop Express Claims & Recovery Services phone harassment?
A10: Consumer protection attorneys, such as those at Consumer Rights Law Firm PLLC, can help you stop the calls, dispute the debt, and take legal action if your rights are violated.