False and misleading Claims

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FALSE AND MISREPRESENTING CLAIMS FROM COLLECTION AGENCIES

Has a debt collector made any false or misrepresenting claims? Have they said something that is not true or could be misleading? It is a violation of your rights under the Fair Debt Collection Practices Act (FDCPA) for a collection agency such as Asset Recovery Associates to make any false or misrepresenting claims.

The Fair Debt Collections Practices Act (FDCPA) is a law set up to protect the consumer from debt collection harassment. There have been numerous instances in which agents from Asset Recovery Associates have violated consumer’s rights under the Fair Debt Collection Practices Act (FDCPA).

https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#807

The following types of debt are covered under the Fair Debt Collections Practices Act:

Medical Bills
Credit Card
Mortgage
Auto Loans
Student Loans
Household Debts

Any debt that occurred for business purposes is not covered under the Fair Debt Collections Practices Act.

Underneath are some things Asset Recovery Associates may not do as it pertains to the FDCPA:

Contact any third party stating you owe a debt
Call you at work after you told them to not call at work
Leave a voicemail not stating the company name or that it’s an attempt to collect the debt
Use any abusive or obscene language
Make false or misrepresenting claims
Call before 8 AM or after 9 PM
Call more than 5 times in one day
Ask you to pay more than what is owed
Continue to call after you advised them to stop
Make any threats such as legal action, garnishment, arrest, imprisonment, or bodily harm

If you feel that Asset Recovery Associates violated your rights as a consumer under the Fair Debt Collections Practices Act, Get FREE LEGAL HELP from Legal Rights Advocates! Contact us at Legal Rights Advocates (877) 700-5790 as well as our website https://consumerlawfirmcenter.com/ for help with our FREE services.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.