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.
Express Claims & Recovery Services Better Business Bureau
What is Express Claims & Recovery Services?
Express Claims & Recovery Services
Address: 475 Northridge St Ste B Rincon, GA 31326-5263 Phone: (877) 551-5678 Fax: (912) 335-5360
Express Claims & Recovery Services offers clear management solutions for receivables and debt collection.
Understanding Your Consumer Rights
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.
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.
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 Phone Harassment Examples
- 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
Known Express Claims & Recovery Services Collection Call 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.
Is their a scam? No, They has been in business since 2004.
Can they seize my property? It 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 obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can they sue me? Yes, Express Recovery Services can sue you so long as the debt is within the statute of limitations. Express Recovery Services sue when they believe you owe a valid debt and may seek a judgment to recover the amount owed, which could lead to wage garnishment or other collection actions.
Can they report my debt to the collections bureaus? Yes, debt collectors are allowed to place the collection account on your credit report. Debts are reported to each credit bureau, so it’s important to check all credit bureaus for accuracy. Regularly review your credit reports to dispute any inaccuracies or outdated information that may be reported by collection agencies.
Can they arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
How do I validate a debt? You can request debt validation to ensure the debt is legitimate. It’s important to identify the original creditor to confirm the debt is valid and to distinguish between debts owed to the initial lender and those in collection.
What happens in legal proceedings? In legal proceedings, the trial court hears the case, examines evidence, and makes decisions regarding the debt collection claim, including awarding costs or attorney fees based on the outcome.
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.
Consumer Rights Law Firm 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 at www.consumerlawfirmcenter.com
Success Stories
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, the calls still continued, it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately, they were able to put some money in my pocket as well, Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights”
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agencies in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer.”
https://consumer.ftc.gov/articles/debt-collection-faqs
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