Niagara Restitution Service Debt Collection Harassment?
Do you receive intrusive calls from Niagara Restitution Service? Perhaps their representatives have threatened to have you arrested or thrown in jail if you do not pay up. Niagara Restitution Service debt collection is a licensed third-party collector, and what this means is that they have the right to put calls through to you. If you currently find yourself on the receiving end of a string of harassing calls from Niagara Restitution Service, then read on because this post was made for you.
We all know that the consequences of debts can be quite dire. Debts affect people in different ways, from their relationships to their social lives, and even their mental health can get affected. Another thing that makes having debt more stressful is the frequent encounters you are forced to have with debt collectors like Niagara Restitution Service.
Debt collection representatives are people who represent debt collection agencies and try to get you to pay your debts. Debt collectors are not the actual people you owe, they just got assigned by the company you owe to pursue the debt. According to the Federal Trade Commission, people complain about debt collectors more than any other business service. This is because debt collectors usually cause consumers a lot of unease and discomfort. Many people complain about the never-ending calls and messages from them and how uncomfortable it makes them feel. If you’re being harassed by Niagara Restitution Service, you should know about your rights under the FDCPA.
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 must adhere to a certain set of rules when they are pursuing consumers who owe money. If Niagara Restitution Service violate the FDCPA, you can sue them in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recovering statutory damages of up to $1,000, plus attorney fees and court costs.
Your rights under the FDCPA
The Fair Debt Collection Practices Act is a federal law that protects your consumer rights regarding debts and the debt collection process. The FDCPA only applies to the collection activities that happen between third-party debt collectors and debtors.
Harassment of any sort from debt collectors is forbidden by the FDCPA. According to the FDCPA, Niagara Restitution Service cannot engage in any of the following practices:
– Calling you many times a day.
– Calling you at odd hours (before 8 am and after 9 pm)
– Disclosing your debt information to a third party.
– Calling your place of work after you have told them that it isn’t allowed.
– Employing deceptive methods in a bid to get you to pay your debts.
– Harassing and threatening you.
– Using profane and obscene words on you.
– Disregarding your letter asking them to cease further contact with you.
– Refusing to give details like their name, address, and entity they represent.
– Contacting you after you have asked them to only speak with your attorney.
– Lying to you about a debt.
If Niagara Restitution Service does any of the above to you, they may have violated your consumer rights under the FDCPA, and you have a year to file a complaint against them. You stand a chance of receiving up to $1,000 in statutory damages alongside additional fees.
Does Niagara Restitution Service report to Credit Bureaus?
Legally, Niagara Restitution Service is within their rights if they report your debt to any of the credit reporting bureaus. There, however, are laws that govern what can be reported and prevent debt collectors like Niagara Restitution Service from misusing your credit information. The laws also prohibit them from trying to get you to pay up by threatening to destroy your credit. These set of laws are what is known as the Fair Credit Reporting act.
Disputing the debt
More than half of the consumers who receive a call from Niagara Restitution Service or many other debt collection agencies frequently complain that they do not owe the debt they are being contacted over. Of all the Niagara Restitution Service complaints that we receive, “Niagara Restitution Service” keeps calling me when I do not remember owing a debt,” seems to be the most prominent one.
This is quite surprising since the law clearly states that Niagara Restitution Service must provide you with certain information regarding the debt, they are contacting you to collect. The information should reveal:
- The name of the original creditor to whom the money is owed
- The amount you owe
- Information about your right to dispute the debt
If you do not get this information during the first debt collection call, then it must be sent within 5 days from the date of the first debt collection call you received from a Niagara Restitution Service phone number. If you don’t think the debt belongs to you, or you do not agree with the amount stated there, then you have a right to dispute the debt.
To dispute the debt, you must do so in writing within 30 days. The Niagara Restitution Service will provide further verification of the debt to prove that it is indeed yours.
During this time (while the debt is still being verified), it is against the laws of the FDCPA for a Niagara Restitution Service debt collector to try to contact you regarding the repayment of the debt in question.
What happens if you do not write to Niagara Restitution Service within 30 days?
If you do not dispute the debt within the 30-day time period, then you may lose your right to dispute the debt at all, and Niagara Restitution Service may legally assume that the debt is indeed yours.
To respond to Niagara Restitution Service, it is best advised to contact an attorney or to use one of the sample letters prepared by the CFPB for that purpose. An attorney will be in a better position to look out for your rights and to ensure that the debt collection process goes smoothly.
As we mentioned earlier, you have only 30 days to dispute a debt or part of it. 30 days isn’t a lot of time. If you are confused about the process, then we advise you to contact a debt collection attorney to guide you through the process.
You can call our A+ accredited firm at (877)-700-5790.
Who is Niagara Restitution Service?
Niagara Restitution Service is a third-party debt collector located in Tonawanda, New York.
Address: 550 Fillmore Ave. Suite 2
Tonawanda N.Y 14150
Phone: 844-232-1318 / Fax: 716-260-2026
Phone numbers that may call from:
888-320-8167, 833-399-0906, 888-320-8167
Is Niagara Restitution a Scam?
According to the Better Business Bureau website, Niagara Restitution Service has been in business since 2010. There have been 6 complaints closed in the last 3 years and 1 complaint closed out in the last 12 months. Read more about it here: Niagara Restitution Service Better Business Bureau
ABOUT 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. 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 Niagara Restitution Service. 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: