🚨Are You A Victim Of Lakeside Recovery Solutions Harassment❓
Under the federal Fair Debt Collection Practices Act (FDCPA), generally speaking, a debt collector is classified as a person or a company that regularly collects debts owed to creditors, companies, and original lenders. Lakeside Recovery Solutions is one of such debt collectors, and usually, a debt collector only steps in when the debts that are meant to be collected on are past-due.
Debt collectors, according to the FDCPA, is a category extended to include collection agencies or lawyers who collect debts as part of their business. There are also companies like Lakeside Recovery Solutions that buy past-due debts from creditors or other businesses and then try to collect them. These are the debt collectors that are referred to as debt collection agencies, debt collection companies, or debt buyers.
If you are getting calls from a debt collector, they may be trying to contact you for any of the following reasons:
- You may be past due on a debt, and the creditor you owe it to may use their own in-house debt collectors to make an attempt to retrieve the debt, or may have referred or sold your debt to an outside debt collector.
- A debt collector may be calling you to get information about someone you know. This is perfectly legal, provided that the debt collector does not reveal that they intend to collect a debt or reveal any details about that debt to you.
- An instance where your debt has been purchased by a debt buyer.
If you are receiving calls from a debt collector over the payment of a debt and you have concerns about the legitimacy of the debt, they claim you owe, the amount they are claiming, or if the company contacting you is real, you might want to speak to an attorney by calling (877)-700-5790 or report the matter to a credit counseling organization.
It is important to have a plan and to know what you want before speaking with a debt collector. If everything goes well, or better still, if you have an attorney or representative on your side, then you might be able to set up a payment plan or negotiate with them to settle the debt for pennies on the dollar. Understanding the implications of taking legal action can help you prepare for potential negotiations with debt collectors.
Additionally, you are allowed to ask a debt collector to stop contacting you; this is what is known as a cease-and-desist letter, and it should be put forward to Lakeside Recovery Solutions in writing. If Lakeside Recovery Solutions violates your rights, you may be entitled to recover attorney fees as part of the damages.
However, note that asking Lakeside Recovery Solutions to stop contacting you will not prevent them from suing you or reporting the debt to a credit reporting company, it will only put a stop to the pesky phone calls you receive, however, you will need a more solid, long-term plan.
If you are convinced that you do not owe the debt or have evidence that you have already paid the debt, or that it has been discharged in bankruptcy or in a settlement agreement, then it is important to take action to contest the attempt to collect the debt.
For more information on your rights under the FDCPA, visit the Federal Trade Commission’s website.
💡Understanding Fair Debt Collection Practices
Fair debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), a federal law designed to protect consumers from abusive debt collection practices. Under the FDCPA, debt collectors are prohibited from using harassment, false or misleading statements, and threats or intimidation to collect debts. They must also identify themselves as debt collectors and provide clear information about the debt, including the amount owed and the name of the creditor. This law ensures that debt collectors adhere to ethical standards and treat consumers with respect while attempting to collect debts.
📝Reasons for Debt Collection Harassment
Debt collection harassment can occur for a variety of reasons. Some common reasons include:
- The debt collector is trying to intimidate or coerce the consumer into paying the debt.
- The debt collector is using high-pressure tactics to collect the debt.
- The debt collector is making false or misleading statements about the debt.
- The debt collector is contacting the consumer at inconvenient times or places.
These tactics are not only unethical but also illegal under the FDCPA. If you experience any of these behaviors, it’s important to recognize them as red flags and take appropriate action to protect your rights.
💳Lakeside Recovery Solutions and the FCRA
In your experience with Lakeside Recovery Solutions, you should note that they are allowed to make a negative report to a consumer reporting company, and this can potentially have a negative impact on your credit report and your credit score.
In many of the cases we have seen, the outstanding balance has exceeded the statute of limitations, and thus it may be too old to affect your credit report or credit scores. Additionally, you don’t think that you owe the debt, that you are being contacted about, you have a right to dispute it with the debt collector and the credit reporting company. If this debt verification is made within a 30-day time period of receiving information about the debt from the collector, then the debt collector is required by law to send you a verification of the debt. When disputing a debt, make sure to include your account number to ensure the agency can accurately identify the debt in question. You can ask for whatever additional information will be relevant to you towards the identification and resolution of the debt they claim you owe, and they are required to provide it.
Challenging a debt’s validity is crucial in protecting your rights and ensuring that you are not held responsible for debts you do not owe.
🔎Who is Lakeside Recovery Solutions❓
Lakeside Recovery Solutions is a third-party debt collector based out of Hamburg, New York. According to the Better Business Bureau, there have been 4 complaints closed in the last 3 years and 4 closed complaints within the last 12 months. There have been many complaints against Lakeside Recovery Solutions regarding their collection practices.
Consumers have reported receiving calls about alleged debt that they do not recognize.
📞Contact Information
The mailing address for Lakeside Recovery Solutions is 5815 S Park Ave, Hamburg, NY 14075-3738.
Phone: (888) 306-2878
Other phone #’s 516-530-1608 & 516-606-8340
🎯Protecting Yourself from Harassment
If you are being harassed by a debt collector, there are several steps you can take to protect yourself:
- Keep a Record: Document all interactions with the debt collector, including dates, times, and details of conversations. This can serve as evidence if you need to file a complaint or take legal action.
- Send a Cease and Desist Letter: You have the right to request that the debt collector stop contacting you. Send a written cease-and-desist letter to the debt collector, and keep a copy for your records.
- File a Complaint: Report the harassment to the Federal Trade Commission (FTC) or your state’s Attorney General’s office. These agencies can investigate and take action against the debt collector.
- Seek Legal Representation: Consult with a qualified attorney who specializes in consumer rights. They can provide legal advice and represent you in any disputes with the debt collector.
Taking these steps can help you regain control and stop the harassment.
📜Disputing a Debt with Lakeside Recovery Solutions
If you receive a debt collection notice from Lakeside Recovery Solutions, you have the right to dispute the debt. Here are the steps to take:
- Review the Notice: Carefully examine the debt collection notice to ensure it includes all required information, such as the amount owed and the name of the creditor.
- Send a Dispute Letter: If you believe the debt is incorrect or invalid, send a dispute letter to Lakeside Recovery Solutions. Clearly explain why you dispute the debt and include any supporting documentation, such as proof of payment or evidence of identity theft.
- Keep Records: Maintain a record of all correspondence with Lakeside Recovery Solutions. This documentation can be crucial if you need to escalate the dispute or take legal action.
By disputing the debt, you can ensure that any errors are corrected and that you are not held responsible for debts you do not owe.
📋The Impact of Debt Collection On Your Credit
Debt collection can have a significant impact on your credit score. Here are some ways that debt collection can affect your credit:
- Credit Report: A debt collection account can appear on your credit report, which can lower your credit score. This negative mark can remain on your report for up to seven years, even if you pay the debt.
- Negative Marks: Debt collection can lead to additional negative marks on your credit report, such as late payments or collections. These marks can further damage your credit score.
- Legal Judgments: If you are sued by a debt collector and a judgment is entered against you, it can have severe consequences for your credit score and financial health.
Understanding these impacts can help you take proactive steps to protect your credit and address any issues that arise from debt collection activities.
🛑Stop Lakeside Recovery Solutions Debt Collection Harassment
If you are facing Lakeside Recovery Solutions debt collection harassment we will send a cease-and-desist letter to the company on your behalf. This should stop the harassment you face by cutting off every means of communication between you and the organization, and if you retain us as your legal counsel, all future correspondence between you and the agency will be directed to our office instead of to you. If necessary, we can help you sue Lakeside Recovery Solutions for any violations of your rights.
Furthermore, if Lakeside Recovery Solutions has violated your consumer rights or any state law in the process of trying to recover debts from you, then you may be entitled to monetary compensation and statutory damages set at $1000 for the violation of the FDCPA and $500 – $1500 for the violation of the Telephone Consumer Protection Act (TCPA). The debt collector will also be made to pay your attorney’s fees and costs. Call us today at 877-700-5790 for immediate assistance.
Our legal team can guide you through the process of filing a lawsuit if Lakeside Recovery Solutions has engaged in unlawful practices.
🏛️About Us
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 Lakeside Recovery Solutions. 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.
🏆Success Stories
“Lakeside Recovery Solutions called me 10+ times daily, even after I requested verification of the debt. Consumer Rights Law Firm PLLC sent a demand letter citing FDCPA violations, and the harassment stopped within 48 hours. They even negotiated a full deletion of the debt from my credit report. If you’re getting bullied by debt collectors, call them NOW!”
“Lakeside Recovery Solutions threatened to garnish my wages for a debt I didn’t owe. The team at Consumer Rights Law Firm PLLC proved they violated federal law and secured me a $3,500 settlement! Their team was aggressive when needed but kept me informed at every step. Worth every penny (which Lakeside paid, not me!).”
“Lakeside ruined my credit by reporting an invalid medical debt. Consumer Rights Law Firm PLLC forced them to remove the tradeline AND got me $2,000 in damages for their illegal reporting. My score jumped 127 points! These attorneys know exactly how to fight back against shady collectors.”
