As a consumer, you have the right to be treated fairly and ethically by debt collectors. This right is also part of a federal law. Unfortunately, not all debt collectors follow the rules.
They call you late at night or at the crack of dawn, threaten to seize your assets, and ignore any dispute letters. They try to make you believe that they have all the power, when in truth the law is on your side.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits third-party debt collectors from engaging in deceptive and abusive behavior. If you are dealing with a collection agency that uses tactics like those listed below, you can sue them.
- Using profane or obscene language
- Contacting you directly even after you’ve hired an attorney to represent you in the matter
- Persisting in trying to collect a disputed debt
- Reporting false information to the credit bureaus
- Harassing you by telephone (e.g. calling and hanging up)
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m
Company Profile: Heritage Financial Recovery Services
If you are being called by Heritage Financial Recovery Services, information about the company and its operations are below.
Heritage Financial Recovery Services is a debt collection office located in Upper Saddle River, New Jersey. It was founded in 1977, has 12 employees and is managed by owner Elizabeth Clifford.
According to the company website, the company holds a membership in the ACA International (Association of Credit Collection Professionals) and the New Jersey Association of Collection Agencies.
Records archived at the PACER website confirms that some consumers who believed that they were being harassed by Heritage Financial Recovery Services went to court to demand compensation.
Alleged Violations against Heritage Financial Recovery Services
According to PACER, on or about October 10, 2104, Heritage Financial Recovery Services sent a collection letter to a New Jersey consumer, seeking payment for a medical debt.
She later complained that her account number was visible above her name on the front of the envelope, and that the account number could identify her as a debtor, in violation of the FDCPA.
Feeling harassed by Heritage Financial Recovery Services, the consumer sued the company for allegedly violating her rights in the following ways:
- Using unfair and unconscionable means to collect a debt
- Making her personal information available to outside parties
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Heritage Financial Recovery Services are:
Any time they appear on your caller ID, it’s a sign that Heritage Financial Recovery Services is looking to speak with you. If they send letters in envelopes that make your personal information available, speak to a consumer attorney today.
Experienced legal counsel can help you file a claim against Heritage Financial Recovery Services and seek compensation of $1000 per FDCPA violation plus attorney’s fees and related costs. You may owe money, but when debt collectors are unethical, they could be the ones who pay you.
Case taken from PACER (pacer.gov). File number is Case 2:14-cv-06922-KM-MAH from the United States District Court for the District of New Jersey.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Heritage Financial Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.