When you are overwhelmed by debt, the collection attempts that are taken against you can make you feel even worse. These often harassing and abusive actions may include hostile phone calls, threatening letters, and the sharing of your debt information with family and coworkers.
However, you have rights under the Fair Debt Collection Practices Act, and a consumer lawyer can help you put an end to unfair or unlawful collection attempts.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA, because predatory debt collectors were driving thousands of consumers to declare bankruptcy. The FDCPA protects you from manipulation and harassment by making it illegal for third-party debt collectors to use ruses like the following:
- Swearing and using profane language
- Calling at all hours of the day and night
- Refusal to provide you with information about the debt
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Threatening to garnish your wages or send you to jail if you don’t pay
- Demanding amounts that exceed the original debt
Company Profile: Maximum Recovery Systems, Inc.
If you are being called by Maximum Recovery Systems, Inc., information about the company is below.
Maximum Recovery Systems, Inc. is a debt collection office located in Waite Park, Minnesota. It was established in 1996, has less than 10 employees, and is managed by its President, Patrick Kraker. On the company website it advertises itself as being “Proactive Student Loan Recovery Specialists.”
A search of litigation records archived at the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed they were being harassed by Maximum Recovery Systems, Inc. went to court to demand compensation.
Alleged Violations against Maximum Recovery Systems, Inc.
According to PACER, from September 2007 until January 2008 an agent of Maximum Recovery Systems, Inc. attempted to collect a consumer debt from a Minnesota woman. She later complained that the company called her at inconvenient times and places, including the hospital where she was having a baby, and refused to stop at her request.
Feeling harassed by Maximum Recovery Systems, Inc.,she hired a consumer lawyer and sued the company for allegedly violating the FDCPA by:
- Harassing her by phone
- Using false, deceptive and misleading means to collect a debt
The matter was later resolved.
Hire a Lawyer
The phone numbers for this debt collection company are as follows:
If you see any of them on your caller ID, it means that you are being called by Maximum Recovery Systems, Inc.. If they refuse to stop calling when you demand no further communication, hire a consumer lawyer.
If you file a claim against Maximum Recovery Systems, Inc. and win, you may receive $1,000 per FDCPA violation in addition to court costs and reasonable lawyer fees. Debt collectors are often so eager to get your money that they forget your rights. A lawsuit can be a powerful wake-up call.
Case taken from PACER (www.pacer.gov). File number is Case 0:08-cv-01078-MJD-RLE from the United States District Court for the District of Minnesota.
*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 Maximum Recovery Systems, Inc., or any other third-party collection agency, you may not be entitled to any compensation.