Dealing with Aggressive Debt Collectors? We’ve Got Your Back
Debt is Stressful Enough – Don’t Let Collectors Make it Worse
Being in debt sucks – there‘s no way around it. Whether it‘s from medical bills, student loans, or just trying to make ends meet, owing money can feel like a weight on your shoulders that never goes away. And if you’re already struggling financially, the last thing you need is some aggressive debt collector hounding you day and night, making threats and using shady tactics.Look, we get it. Debt collectors have a job to do. But there’s a line between doing your job and flat-out harassment. And unfortunately, some of these companies don‘t seem to know where that line is – or they just don’t care.That’s where we come in. At Spodek Law Group, we’re not just lawyers – we‘re people who have been through tough financial times ourselves. We know what it’s like to be on the receiving end of those annoying calls and letters, feeling like you’re being treated like a criminal for falling on hard times. And we‘re here to put a stop to it.
What is Choice Recovery?
Choice Recovery is one of those debt collection agencies that has a reputation for being…well, let‘s just say they‘re not winning any “Customer Service Awards” anytime soon. They’re known for using aggressive tactics like:
-- Calling you at all hours, even after you’ve asked them to stop
- Threatening legal action, even when they don’t have a case
- Trying to collect debts that are past the statute of limitations
- Refusing to provide proof that you actually owe the debt
In other words, they’re the kind of company that gives debt collectors a bad name. And if they’ve been harassing you, it’s time to fight back.
Your Rights Under the Fair Debt Collection Practices Act
Here’s the thing – you have rights when it comes to dealing with debt collectors, thanks to a little something called the Fair Debt Collection Practices Act (FDCPA). This law lays out some pretty clear rules that debt collectors have to follow, like:
- They can’t call you before 8am or after 9pm
- They can’t use profane language or threaten violence
- They have to stop contacting you if you send a written request
- They have to provide proof that you actually owe the debt they’re trying to collect
And if a debt collector violates these rules? Well, that‘s when you give us a call. Because at Spodek Law Group, we don‘t just know the FDCPA inside and out – we use it to fight back against abusive debt collectors and get our clients the relief they deserve.
Common Violations by Choice Recovery
Unfortunately, Choice Recovery has a track record of violating the FDCPA in some pretty egregious ways. Here are just a few examples of the kinds of complaints we’ve seen:
-- Calling people’s workplaces and sharing details about their debt, which is a big no-no
- Threatening to have people arrested or their wages garnished, even when they don’t have that authority
- Refusing to provide proof of the debt or information about the original creditor
- Continuing to contact people after they’ve sent a written request to stop
In other words, they’re playing pretty fast and loose with the rules. But that‘s not going to fly with us. If Choice Recovery has been giving you a hard time, we’ll make sure they face the consequences.
How We Can Help: Debt Collection Harassment Defense
So, what can we actually do for you? Well, first things first – we’ll get Choice Recovery off your back. As soon as you hire us, we’ll send them a letter telling them to cease all contact with you immediately. And if they don’t listen? Well, that’s just more ammunition for us to use against them in court.But we don’t stop there. Our goal is to get you real, lasting relief from the harassment and stress of dealing with aggressive debt collectors. That could mean:
- Getting the debt dismissed entirely if Choice Recovery can’t provide proof that you actually owe it
- Negotiating a more manageable payment plan or settlement amount
- Filing a countersuit against Choice Recovery for violating the FDCPA, which could mean they have to pay you damages
Basically, we‘ll explore every possible avenue to get this debt off your plate for good. And if Choice Recovery tries any more shady tactics? We’ll be ready to hit them with the full force of the law.
Dealing with Other Debt Collectors? We’ve Got You Covered
Of course, Choice Recovery is just one of the many debt collection agencies out there engaging in shady behavior. Maybe you’re being hounded by Enhanced Recovery Company, Portfolio Recovery Associates, or any number of others. Doesn‘t matter who it is – we’re ready and willing to take them on.The reality is, the debt collection industry is riddled with bad actors who think they can push people around and ignore the rules. But we know the laws inside and out, including:
- The Fair Debt Collection Practices Act (FDCPA)
- The Fair Credit Reporting Act (FCRA)
- The Telephone Consumer Protection Act (TCPA)
- State debt collection laws
So whether a collector is making illegal robocalls, reporting inaccurate info to the credit bureaus, or just flat-out lying to you, we can hit them with the full arsenal of consumer protection laws. No debt collector is too big for us to take on.
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