If You have received repeated phone calls from a company called Eastpoint Recovery Group, you may have wondered what the company does and what they want with you. They are a fairly well-known collection agency and they are probably calling to collect a debt that may or may not be legitimate.
A call from a collection agency can be more than just annoying. If you get such calls at work, it can hurt your professional reputation. Getting collection calls when you are out can create an embarrassing social situation.
Owing money should not take over your life and there are laws protecting consumers from aggressive collections. Eastpoint Recovery Group is a collection company that is known for harassing its customers. If you have been harassed by collectors who work for Eastpoint Recovery Group, there are attorneys that can help you.
Things You Should Know About Eastpoint
Eastpoint Recovery Group is located in Buffalo, New York. Buffalo is known for having some of the most aggressive collection agencies in the United States. Around 30% of the people in Buffalo are considered impoverished and many people have no choice but to work in the booming collection industry there. It is not uncommon for people who work in this industry to have criminal backgrounds.
Eastpoint collections joined the Better Business Bureau in 2019. By the end of the year, they had amassed a huge number of complaints with the BBB.
Laws That Govern the Collection Industry
All collection agencies in the United States of America are governed by the Fair Debt Collections Practices Act. The FDCPA has certain standards by which a collection agency must abide by. If a collection agency violates those rules, they might end up owing a debtor $1,000. The debtor can collect this money even if they cannot prove damages.
There are a few basic rules of which you should be aware if debt collectors are calling you.
- A debt collector can only call you from 8:00 a.m. to 9:00 p.m. and they are allowed to call on any day of the week.
- Debtors must tell you they are calling to collect a debt and any information you give will be used for that purpose.
- They must tell you that you have the right to contest a debt that you do not agree with.
- If you send a written demand to cease communication to a collection agency, they must abide by it. However, they can still try to collect your money.
- A collection agency may not take money from your bank account, garnish your wages, or put a lien on your property without obtaining a judgment against you.
Review Your Credit Report
You are entitled to one free credit report a year from one of the three major credit reporting agencies. If you notice a debt from Eastpoint Recovery Group on your credit report, you should contact a consumer law firm in your area, you may be entitled to compensation. A report from a collection agency can seriously impact your credit score.
Protecting the rights of consumers is very important. Not only can an attorney get money if your rights have been violated by Eastpoint Recovery Group, but it will also send an important message to collection agencies to abide by the law.