Keystone Recovery Group Phone Harassment?
If you currently find yourself in a debt situation with collectors from Keystone Recovery Group, then you already probably know that there are many complications and technicalities that are involved in the Keystone Recovery Group debt collection process. You may also already know that you may not have adequate knowledge of your rights when it comes to dealing with debt collectors like Keystone Recovery Group and understanding what is acceptable and unacceptable behavior on their part. These large agencies may seem so powerful and intimidating that they may subject you to things like Keystone Recovery Group phone harassment and easily make you feel quite powerless. What then are your rights as a citizen going through Keystone Recovery Group debt collection process?
In the context of Keystone Recovery Group debt collection, what you must know is that every U.S. citizen is offered a degree of protection through the enactment of laws like the FDCPA and TCPA. Simply put, there are certain things debt collectors like Keystone Recovery Group legally cannot do in an effort to get you to settle your delinquent debts. if they are found guilty of such acts, they can easily be sued and made to pay fines and statutory damages.
Do you suspect that Keystone Recovery Group phone harassment or any other activity that might be trampling upon your debt collection rights? If so, we advise that you contact us immediately so that we may assess your situation and determine if you have a viable case.
You don’t have to keep putting up with Keystone Recovery Group phone harassment, call us today to help you stop it.
What is Keystone Recovery Group legally not allowed to do?
The Fair Debt Collection Practices Act (FDCPA) is a set of laws passed by the Federal Trade Commission and it legally prohibits debt collectors from engaging in harassing, abusing, or oppressing acts in a bid to recover debts from you. The law goes further to break down the behaviors that are not acceptable on the part of a debt collector. Some of them are:
● Issuing threats of corporal punishment or jail time: If your debt collection agent resorts to issuing threats of violence or legal action they are not allowed to take, they have seriously stepped out of line. You might be able to sue them and recover compensation for both damages and your attorney’s fees.
● Using deceptive methods in an attempt to recover debt: Under federal law, debt collectors are not allowed to misrepresent themselves or the amount of debt you owe when in communication with you or a third party. If your debt collector has lied that they are law enforcement officials or falsified court documents in a bid to get you to pay up your debts quickly, they are guilty of violating the FDCPA laws.
● Providing sensitive information regarding your debt to unauthorized third parties: Details about your debt is to be kept within you and your debt collection agency. The only people the law permits them to reveal details to are your spouse, co-signor, or parents (if you are a minor). Any other thing would be a violation of your FDCPA rights.
If Keystone Recovery Group is guilty of any of the above, you may be able to sue them and receive compensation of up to $1000 per violation claim. Call us now on 877-700-5790.
FDCPA Violations by category
The FDCPA laws stipulate that a debt collection agency must communicate information to the consumer and embark on their collection processes in a way that is clear, fair, and not misleading. This means that debt collectors like JPL Recovery solutions are prohibited from hiding information about your debts from you, employing clandestine methods to collect on the debt, and trying to get you to pay by harassing you and making you uncomfortable.
Outlined below is a comprehensive list of FDCPA violations (according to category) that keystone recovery group may engage in which is against the law:
-Sending you letters that were fashioned to resemble court documents
-Failing to state who they are or what their role is;
-Using unnecessary legal jargon all in a bid to confuse you
-Failing to send a verification notice concerning the debt especially when asked
-Failing to let you know the outcome of your debt dispute or query
-Contacting you at unreasonable times of the day, even after they have received a cease-and-desist letter from you requesting not to be contacted further. This is a clear case of Keystone Recovery Group phone harassment.
The false representation of authority
-Claiming to be a court bailiff or any other legal representative
-Threatening to or deceiving you into believing that they will take action that is not legally possible. For example, making you believe that they could seize your property, send you to jail, or have your wages garnished.
-Falsely representing themselves by using a business name or logo that falsely leads you to believe that they are a government or legal body
-Falsely leading you to believe that legal action has been initiated against you when in reality, it hasn’t
– Falsely leading you to believe that you are a criminal for not paying your debt, and as such, you deserve to be punished
Physical or psychological harassment
-Placing calls to your phone too frequently or at unreasonable times;
-Giving you unreasonable advice that benefits only them such as advising you to sell your property to pay off your outstanding debt or to take out more debt.
-Your original lender is prohibited from using more than one collection agency at a time or not telling you when your debt has been sold or transferred to another company;
-Failure to pass on a comprehensive history of your debt including any payments or arrangements that you may have already made
-Putting an extreme amount of pressure on you to pay the sum you owe in full or in large installments that your income cannot afford.
-Trying to rush you into debt resolution without first giving you time to seek proper advice or receive proper documentation
-Refusing to agree to a reasonable installment agreement or debt settlement plan from you, your attorney, or your financial adviser;
-Issuing or even insinuating threats of violence and bodily harm.
-Ignoring your dispute regarding the amount they claim you owe
-Trying to get you to pay up your debt by embarrassing you in public. For example, by publishing your name and details as a debtor on social networking sites or telling a third party such as a neighbor or friend about your unresolved debts.
-Refusing to give up pursuing the debt in cases where it is clear that the consumer cannot deal with the debt at that time (such as in a case where the consumer is facing mental health issues or has filed for bankruptcy).
Employing deceptive and unfair debt collection methods
-Sending letters addressed to your place of employment or discussing the debt with your boss or co-worker
-Bypassing the attorney or financial advisor acting on your behalf;
-Mismanaging your credit information
-Posting your payments late so as to incur late payment penalties for you even though you paid on time
-Trying to enforce the collection of a debt that has already been discharged in bankruptcy
-Refusing to stop all collection attempts when you dispute the debt or send a cease-and-desist letter
Charging for debt recovery
-Claiming additional collection costs that are not contained in the original credit agreement
-Misrepresenting the actual amount that you owe
-Adding any unreasonable charges to the original loan amount
Unethical Debt collection visits
-Failing to explain the reason for any visit and showing up at your home or office without first giving you prior notice.
-Making collection visits to you when you are unwell or distressed;
-Entering into your house when you have not invited them in or and refusing to leave after you have asked them to
– Making collection visits to you in a place like a hospital.
The collection of Expired debts
If the period of time for which a debt is legally enforceable (known as the statute of limitations) has elapsed on your debt, it means that JPL Recovery solutions have run out of time to use certain types of collection methods (such as suing you to court) to try and make you pay the debt.
It must, however, be noted that this does not mean that you no longer have to pay the debt, it simply means that the debt collector can no longer pursue certain collection actions, nevertheless, you are still required to pay the debt. The amount of time a creditor has is called a limitation period, and different debts may carry different limitation periods.
If the statute of limitations has run out on your debt, then a debt collector can not threaten you by saying that they may take you to court when they should know that the limitation period has run out.
More about expired debts
As you may already know, Keystone Recovery Group, LLC has a specified amount of time within which debts must be collected, else they become “old” and legally not enforceable (meaning that you can no longer get sued over the non-repayment of the debt). This period of time is what is known as the “statute of limitations.”
Usually, the statute of limitations on a debt starts ticking when you miss a payment. During this period, Keystone Credit Services will most likely do everything in their power to get you to pay up your debt before it becomes time-barred. They are doing everything in their power to get you to pay because they know that once a debt is time-barred, it is against the law for them to sue you over non-repayment.
How long they have to collect the debt depends on what kind of debt it is and the laws that govern your state. Additionally, a clause in your credit contract or loan agreement may also specify the amount of time within which the debt is legally collectible.
Be careful and don’t get comfortable just yet though, as the mere admittance to owing the debt (even over the phone when you receive a call from a Keystone Law LLC debt collector) can get the clock restarted under the laws that govern some states.
Keystone Recovery Group is calling me over an expired debt
If you are getting calls from a known Keystone Recovery Group debt collection number over a debt that is time-barred, all you have to do is to simply ignore the calls and NEVER admit to owning the debt, even over the phone. Alternatively, you can send a cease-and-desist letter; just be sure that you don’t accept responsibility for the debt in your letter either.
If Keystone Recovery Group sues you over a time-barred debt, simply tell the judge that the statute of limitations on the debt has elapsed, and if you live in a state where it is unlawful for a debt collector to contact you over an expired debt, report them.
Who is Keystone Recovery Group?
Keystone Recovery Group is a third-party debt collector located in Buffalo, New York. They are focused on the collection of outstanding installment loans in various stages of delinquency, types, and sources.
Address: 3380 Sheridan Drive
Buffalo, NY 14226
Is Keystone Recovery Group a Scam?
According to the New York Secretary of State’s website, Keystone Recovery Group has been in business since February 2019. You can access their records here: Keystone Recovery Group New York Secretary of State’s Page
Keystone Recovery may be contacting you from the following numbers:
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Keystone Recovery Group. 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.
Check out the links below for more information: