Guardian Recovery Solutions Debt Collection Harassment? Stop the Calls!
Tired of Guardian Recovery Solutions Debt Collection Harassment? Wish there was a way to make the calls stop? Is Guardian Recovery Solutions, a debt collection company, constantly calling and harassing you? Does your phone ring every day, several times per day, because Guardian Recovery Solutions is calling you to demand payment? Threatening you with legal action? Has Guardian Recovery Solutions ever used abusive or profane language when speaking with you on the phone? If so, Guardian Recovery Solutions may be violating your legal rights. Stop the harassment.
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 any company collecting debts must adhere to a certain set of rules when they are pursuing consumers who owe money. The FDCPA regulates the process of collecting debts, including how and when a debt collector can contact you. If a collector violates the FDCPA, 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 Guardian Recovery Solutions a scam?
According to the Better Business Bureau website, Guardian Recovery Solutions has been on the BBB since 2018. There have been 1 complaint closed in the last 3 years and 0 complaints closed out in the last 12 months. Read more here: Guardian Recovery Solutions Better Business Bureau.
Who is Guardian Recovery Solutions?
Guardian Recovery Solutions is a third party debt collector located in Cheektowaga, New York. Numerous consumers have complained about illegal and harassing communication tactics used to attempt to coerce a payment or pressure consumers into making payments, including persistent attempts to get consumers to consider paying their debts.
The company may also make settlement offers as part of their collection efforts, providing options for debt resolution outside of court.
🏛️ Address: 285 Cayuga Rd Buffalo, NY 14225 📲 Phone: (716) 770-1022 🖨️ Fax: (716) 368-1764
Some of the prohibited tactics include:
- ➤ Call the consumer’s place of employment or other consumer’s place where calls are prohibited or inconvenient
- ➤ Use threats or abusive language
- ➤ Contact third parties about the debt without permission
Guardian Recovery Solutions Debt Collection Harassment Tactics
If Guardian Recovery Solutions engages in any of the following tactics, you may have a case:
- ➡️ Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
- ➡️ Talking to others about your debt
- ➡️ Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
- ➡️ Use any profane language or any language that is harassing and abusive
- ➡️ Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
- ➡️ Make any misrepresentations of fact, such as how much is owed, including whether a debt is disputed or has been paid, or certain actions they may take to force payment
- ➡️ Fail to acknowledge or properly handle disputes or disputed debts.
- ➡️ Threaten arrest or criminal prosecution
- ➡️ Send false information to the credit bureaus
- ➡️ Cause a telephone to ring an unreasonable amount of times
Guardian Recovery Solutions Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- 📞 716-770-1022
- 📞866-391-6475
- 📞 716-218-4085
If so, you may be a victim of Guardian Recovery Solutions debt collection harassment. The list above is not all the numbers that Guardian Recovery Solutions uses. Also, calls can be from different numbers and it still be Guardian Recovery Solutions calling you. Contact our office right away so we can start the process to stop Guardian Recovery Solutions from calling you illegally. Above all, no one should live with harassment.
Your Legal Rights as a Debtor
When you’re facing collection efforts from a debt collector like Guardian Recovery Solutions, understanding your legal rights is crucial to protecting yourself from unfair debt collection practices. Federal law, specifically the Fair Debt Collection Practices Act (FDCPA), sets clear guidelines for how debt collectors and collection agencies must interact with consumers. These rules are designed to protect consumers from abusive debt collection practices and ensure fair debt collection practices are followed.
One of your most important rights under the FDCPA is to receive a written notice from the debt collector within five days of their first contact. This written communication must include detailed information about the debts owed, the name of the original creditor, and the amount of money claimed. It should also inform you of your right to dispute the debt within 30 days. If you believe the debt is not yours or the amount is incorrect, you have the right to dispute the debt in writing. Once you dispute a debt, the debt collector must stop collection efforts until they provide verification.
Debt collectors are strictly prohibited from using abusive practices, such as repeated calls, threats of legal action they cannot take, or using profane language. If you experience harassment or unfair practices, you have the right to take legal action. Consumers may be entitled to statutory damages up to $1,000, plus attorney fees and court costs, if a debt collector violates the FDCPA. Keeping detailed records of all phone calls, written notices, and direct communication with the collection agency can significantly impact your ability to resolve the situation effectively and protect your legal rights.
In addition to the FDCPA, other federal laws like the Fair Credit Reporting Act (FCRA) and the Credit Card Accountability Responsibility and Disclosure (CARD) Act provide further protections. These laws regulate how credit bureaus and creditors report information on your credit report, help prevent identity theft, and ensure that your sensitive information is handled properly.
If you’re experiencing harassment or are unsure about the legal status of your outstanding debts, seeking legal assistance from a reputable law firm—such as Guardian Litigation Group—can help you navigate the legal process. Legal professionals can offer guidance on debt settlement, debt consolidation, and negotiated settlements, and can represent you in legal proceedings if necessary. They can also help you understand your options for financial recovery and ensure that your rights are protected throughout the process.
Remember, you do not have to face abusive debt collection practices alone. By knowing your rights, keeping detailed information about your case, and seeking legal representation when needed, you can take control of your financial situation and stop unfair debt collection practices in their tracks.
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. As part of our commitment to public service, we help consumers understand and enforce their rights against unfair debt collection practices. Contact a legal professional to stop Guardian Recovery Solutions debt collection 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 Guardian Recovery Solutions debt collection harassment, call us at for immediate assistance or visit our website at
Success Stories
- 🏆 I was constantly getting harassed by debt collectors, and I felt like I had no way out. Then I found Consumer Rights Law Firm PLLC. Their team immediately took charge, explained my rights, and stopped the harassment within days. They were professional, responsive, and genuinely cared about helping me. I highly recommend them to anyone facing debt collection abuse.
- 🏆 Consumer Rights Law Firm PLLC helped me take legal action against a collection agency that kept calling me at work. Not only did they stop the calls, but they also got me a settlement for the harassment I endured. Their staff was compassionate, and the process was much smoother than I expected. I’m so grateful for their support during such a stressful time.
- 🏆 After months of robocalls and aggressive voicemails from a debt collector, I reached out to Consumer Rights Law Firm PLLC. Their legal team was quick to act and extremely knowledgeable about consumer protection laws. They handled everything from start to finish and helped me get compensation for the illegal calls. I can finally breathe again thanks to them!
- 🏆 I wasn’t sure if I had a case, but Consumer Rights Law Firm PLLC offered me a free consultation and explained everything in simple terms. They took my case seriously and fought hard to protect my rights. Their professionalism and dedication truly stood out. I’m incredibly thankful for their help in stopping the harassment and giving me peace of mind.
FAQs
Who is Guardian Recovery Solutions and why are they contacting me?
Guardian Recovery Solutions is a third-party debt collection agency based in New York. They are contacting you because they believe you owe a past-due balance and are attempting to collect it.
Is Guardian Recovery Solutions legitimate or a scam?
Guardian Recovery Solutions appears to be a legitimate debt collector operating since at least 2018. However, you should always request written debt verification before engaging or making any payments.
Can Guardian Recovery Solutions legally call my family or friends?
Under the FDCPA, debt collectors may only contact third parties to obtain your contact information. They are not allowed to discuss your debt or disclose details to family members, friends, or coworkers.
How many times can Guardian Recovery Solutions call me before it becomes harassment?
There is no strict number, but repeated calls meant to annoy, intimidate, or pressure you—such as multiple calls per day or excessive weekly calls—may be considered harassment under the FDCPA.
Can Guardian Recovery Solutions threaten me with arrest or wage garnishment?
No. Debt collectors cannot threaten arrest, wage garnishment, or other legal actions they are not legally permitted or do not intend to pursue. Such threats are illegal.
What should I do if Guardian Recovery Solutions harasses me?
Keep detailed records of all communications and send a written cease-and-desist request. If harassment continues, you can file complaints with consumer protection agencies or seek legal assistance.
Can I dispute the debt with Guardian Recovery Solutions?
Yes. You have 30 days from their first contact to request written debt validation. Collection activity must stop until they provide proper verification.
Can I sue Guardian Recovery Solutions for FDCPA violations?
Yes. If they engage in harassment, deception, or other unlawful practices, you may be entitled to statutory damages and attorney’s fees.
Can Guardian Recovery Solutions affect my credit score?
If they report the debt to credit bureaus, it can negatively impact your credit score. Inaccurate or unverifiable information can be disputed under the FCRA.
