Stop Compass Recovery Group Harassment!
Updated article on March 22nd, 2024 by Attorney Derek DePetrillo
Stop Compass Recovery Group Harassment! Have you been receiving harassing calls from Compass Recovery Group (also known as CRG)? If yes, then you must already know that Compass Recovery Group debt collection calls can be really annoying. But you know what’s even more annoying and embarrassing? When Compass Recovery Group begins to call your family members to tell them about your debt and harass them. This is totally unfair and unacceptable and should be stopped.
If you have been experiencing Compass Recovery Group phone harassment, then we must explain your rights to you.
Debt collectors must abide by the FDCPA in their debt collection processes. The FDCPA is a federal law that regulates debt collection activities. Every third-party debt collector like Compass Recovery Group must abide by the FDCPA and that means that they must refrain from activities like Compass Recovery Group phone harassment. The FDCPA frowns against Compass Recovery Group phone harassment and all other forms of harassment.
According to the FDCPA, people should not be made to go through torture from debt collectors, regardless of the amount they owe. If you are beginning to feel unsafe and threatened during Compass Recovery Group debt collection, then the collection agency is most likely trampling on your rights, and you can stop them.
Compass Recovery Group debt collection does not have to continually be a nightmare for you. You have the right to stop the harassment now. Call us at to help you. If Compass Recovery Group violates your rights under the FDCPA, you may be entitled to statutory damages ranging from $100 to $1000 plus Compass Recovery Group will pay your attorney fees,
Understanding Debt Collection
Debt collection is the process of pursuing payments of debts owed by individuals or businesses. Debt collectors, like Compass Recovery Group, use various methods to collect debts, including phone calls, letters, and emails. Understanding debt collection is essential to know your rights and how to deal with debt collectors. When Compass Recovery Group starts calling, it’s crucial to recognize their tactics and be prepared to handle them effectively. Knowing the ins and outs of debt collection can empower you to stand up against any unfair practices and protect your rights.
Fair Debt Collection Practices
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of debt collectors. The FDCPA prohibits debt collectors from engaging in abusive, harassing, or deceptive practices. Some examples of prohibited practices include:
- Threatening to harm you or your reputation
- Using profanity or obscene language
- Making false statements or misrepresentations
- Contacting you at inconvenient times or places
- Contacting your employer or family members without your permission
Understanding these fair debt collection practices is vital. If Compass Recovery Group or any other debt collector violates these rules, you have the right to take action. Protecting yourself from such harassment starts with knowing your rights under the FDCPA.
Why is Compass Collections calling me?
If you are getting calls from Compass Collectors, and you’re wondering why, you should know that Compass Recovery Group, LLC may be contacting you for one of two similar reasons. It is either that they are a debt collector or a debt buyer. To help you understand this, we will define the meaning of both terms and explain how Compass Recovery may be either of both.
First of all, Compass Recovery Group may be a third-party debt collector, meaning that they are collecting a debt on behalf of your original creditor who has hired them to do so. They do not own the debt but are simply trying to make attempts at collecting it. They will get a commission upon the successful collection of the debt.
If Compass Recovery Group is a debt buyer, on the other hand, it means that they have purchased your consumer debt (usually for pennies on the dollar), and will now attempt to collect the debt from you. They make a profit by collecting the full amount from you, despite having purchased the debt for less.
Often, a debt buyer might sue you. This is when it is the best time to enlist the services of a good debt collection harassment attorney. Regardless of the type or size of personal loan that you have, a good attorney will fight aggressively on your behalf.
Now that you know why Compass Collections may be calling you, let’s move on to how to know that you’ve been harassed during a phone call.
You may be a victim of debt collection harassment if Compass Recovery keeps:
- Calling you repeatedly
- Issuing threats, abusing you verbally, or resorting to other forms of harassment that constitutes harassment
- Calling you at your place of employment despite being advised to desist from such acts
- Placing revealing calls to your family members telling them about your debt
- Leaving you repeated harassing messages or letters
- Publishing your name in any publication or on social media as a debt defaulter
- Misinterpreting information about the debt you owe
- Falsely representing themselves as a law enforcement official, which constitutes harassment
The behaviors outlined above are a direct violation of your FDCPA and TCPA rights. If your debt collector is guilty of one or more of them, reach out to us immediately at 877-700-5790.
What to do if a debt collector calls your family members
If Compass collections has been calling your family members, you need to stop them. The easiest way to do that is to settle the debt after confirming that it’s yours and it has not exceeded the statute of limitations.
Consumers can request no further contact from the collection agency, and the agency must comply with this request.
Another way to stop debt collectors from calling your family is by sending them a cease-and-desist letter. This letter stops them from engaging in such activities.
You can also decide to take the legal path and get an attorney to help you sue them for violating your rights. Call us to know your rights.
What is Compass Recovery Group?
Compass Recovery Group provides a full-service receivables debt collection solution. The company is known to collect many forms of debt at every stage of delinquency. Although the business is not BBB accredited at the time of this writing, it has received quite a number of complaints from dissatisfied consumers through the BBB platform.
The complaint details include the date of the complaint, the official name of the company involved, and a detailed description of the issue raised, helping readers understand the nature and seriousness of different complaints related to services like debt collection.
Compass Recovery Group Contact Information
Address: Compass Group Buffalo NY, 3135 Walden Ave Ste 4 Depew, NY 14043 Phone: (888) 765-3854
Is Compass Recovery Group legitimate?
Compass Recovery opened a file on 06/25/ 2019. Compass Group reviews say that there have been 4 complaints closed in the last 12 months leveled against the collection agency by dissatisfied consumers. Read more about complaints and Compass lawsuits here: Compass Recovery Group Better Business Bureau.
Regardless of the fact that Compass Recovery Group is a certified collection agency, you must take precautionary measures to ensure that the number calling you claiming to be a collection representative from CRG is indeed who they claim to be and not just a fraudster posing as a legitimate collection agency. Collectors may threaten consumers with legal action, such as lawsuits and wage garnishment, to coerce them into making payments.
Known Compass Recovery Group Collection Call Numbers
Are you receiving any harassing phone calls from any of the following numbers?
888-765-3854, 716-398-4106, 716-362-9778, 202-390-3834, 833-734-2900, 855-926-1821
If you are receiving calls from the number listed above, you are in contact with a known Compass Recovery Group phone number and thus may be a victim of the compass group LLC debt collection harassment. A collections account can significantly impact your credit report and overall credit score, potentially damaging your financial standing. Call us immediately on 877-700-5790 if you believe that your debt collection rights may be being trampled upon.
Impact on Credit Score
Having a debt collection account on your credit report can significantly lower your credit score. The impact of a debt collection account on your credit score depends on several factors, including the amount of the debt, the age of the debt, and the credit scoring model used. Generally, a debt collection account can remain on your credit report for up to seven years from the date of the original delinquency. This can make it challenging to secure loans, credit cards, or even housing. It’s essential to understand how these accounts affect your credit to take appropriate steps to mitigate the damage.
Removing Compass Recovery Group from Your Credit Report
If you have a debt collection account with Compass Recovery Group on your credit report, you may be able to remove it by disputing the debt or paying it off. To dispute the debt, you can send a dispute letter to the credit reporting agency and request that they investigate the debt. If the debt is found to be invalid or inaccurate, it may be removed from your credit report. Paying off the debt may also remove it from your credit report, but it may not improve your credit score immediately. Understanding these options can help you make informed decisions about managing your credit report.
Negotiating a Settlement with a Debt Collector
Negotiating a settlement with a debt collector, like Compass Recovery Group, can be a good option if you are unable to pay the full amount of the debt. A settlement is an agreement between you and the debt collector to pay a lesser amount than the original debt. Before negotiating a settlement, make sure you understand the terms of the agreement and how it will affect your credit score. It’s also wise to get any settlement agreement in writing to protect yourself from future claims. By negotiating wisely, you can potentially reduce your debt burden and take a step towards financial stability.
Frequently Asked Questions about Compass Recovery Group:
Q: What does the law regard as debt collection harassment?
A: Legally, debt collection harassment is considered as any form of exchange carried out between a debt collector and consumer in the process of debt collection that is threatening, misleading, or abusive to the dignity of the consumer. If a debt collection organization is contacting you with the intent to intimidate, infuriate, or threaten you, they have stepped out of the confines of ethical debt collection.
Compass Recovery Group complies with consumer protection laws while collecting past due consumer debts, ensuring all practices are ethical and lawful.
Q: What do I do if I’m being harassed by Compass Recovery Group?
A: If you are being harassed with calls from a number you suspect to be Compass Recovery Group, the first thing to do would be to confirm the legitimacy of the number contacting you. Once that is done, you can proceed to confirm the legitimacy of the debt claim and the interest rate on the loan. Additionally, if the organization’s representative has trampled upon your rights in the process of debt collection, you can contact us to determine whether you have an actionable harassment case.
Q: How many telephone calls do I have to receive before it is considered harassment?
You do not have to receive a specified number of calls for you to have a valid harassment charge; even one or a few calls can be very intimidating. However, if a debt collection agency is incessantly calling you (at odd times of the day and to an excess of 7 times per day), you may have stronger proof of debt collection harassment.
Do you have a question? Ask us here.
If you are not sure of the name of the collection agency that is contacting you than feel free to visit our list of collection agencies List of Collection Agencies in United States Consumer Rights Law Firm PLLC (consumerlawfirmcenter.com).
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 in any form, including telephone communication. Rather than wallow in uncertainty, contact our office to begin the process to stop CRG debt collection harassment.
If you are currently facing harassment or are interested in learning more about how to prevent intimidation from Compass Recovery Group, call us at for immediate assistance.
Consumer Financial Protection Bureau
https://consumerlawfirmcenter.com/rockford-mercantile-debt-collection-harassment/
https://consumerlawfirmcenter.com/ics-collection-service-debt-collection-harassment/
https://consumerlawfirmcenter.com/stop-keynote-consulting-debt-collection-harassment/
