Admin Recovery debt collection agency is bound by the Fair Debt Collection Practices Act. Learn more about the company and how you can stop harassing debt collection calls.
Admin Recovery, LLC is a legitimate third-party debt collection agency and accounts receivable management (ARM) company founded in 2008 and based in Buffalo, New York. According to its website, Admin Recovery, LLC operates nationwide, and it performs “collection services at every stage of delinquency, for every type of account.” Admin Recovery, LLC advertises its “Protect The Brand” approach to collections, wherein Admin Recovery, LLC utilizes technology in the form of state of the art software and telephone systems to pursue debtors on behalf of its clients. To that end, Admin Recovery, LLC also offers skiptracing services, commercial collection services, bankruptcy and dismissal services, and mediation and arbitration services on behalf of its clients while preserving the reputations of its clients’ brands.
Admin Recovery, LLC serves a diverse clientele, offering “receivable management services to some of the nation’s most renowned retailers, credit card issuers, debt purchasers and banks offering third party collection services for primary, secondary and tertiary accounts.”
As a third-party debt collection agency, Admin Recovery, LLC is required to adhere to the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from abusive debt collection tactics. Nevertheless, consumers have filed complaints accusing Admin Recovery, LLC of violating the FDCPA. Those accusations have included claims that the debt collection agency has threatened to sue consumers without actually intending to do so and talking to third parties about consumers’ debts. It’s imperative that you know your rights under the law before speaking with Admin Recovery, LLC debt collectors.
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Admin Recovery, LLC is accredited by the Better Business Bureau (BBB), which issued Admin Recovery, LLC an “A+” rating despite 19 complaints against Admin Recovery, LLC in the past three years, only 11 of which have been resolved. 14 of these complaints alleged problems with billing and collections, while the remaining five complaints alleged problems with services provided by Admin Recovery, LLC. Since October 2013, the Consumer Financial Protection Bureau (CFPB) has received 124 complaints against Admin Recovery, LLC. 113 of these complaints contained allegations related to Admin Recovery, LLC’s debt collection practices, while the remaining complaints contained allegations related to consumer loans, credit reporting, and payday loan services. In addition, Justia, one of the largest online legal databases in the United States, lists at least five federal cases of civil litigation involving Admin Recovery, LLC since 2014.
If you’ve been contacted by Admin Recovery, you have the right to sue them in federal court if the debt collection agency has violated the Fair Debt Collection Practices Act. Signs that you may be on solid legal footing are:
The Fair Debt Collection Practices Act was put into law in order to protect consumers like you, but there’s a catch. While the government sues debt collection agencies that egregiously violate the law, it doesn’t sue agencies on behalf of individual consumers. Instead, the FDCPA has what’s called a fee-shifting provision. This means that, if you sue and win, then the debt collection agency has to pay your court costs and attorney fees. Fee-shifting levels the playing field so that you can assert your rights.
Are you asking yourself…
Admin Recovery could be calling for a number of reasons, all of them related to debt collection:
If you’ve been contacted by Admin Recovery it’s important to know your rights under the Fair Debt Collection Practices Act. If they’ve violated your rights, you can take the agency to court and sue for statutory damages of up to $1,000 – along with court costs and attorney fees.
Yes. Admin Recovery can sue you if you owe the debt, however, threatening to sue or serve you with papers if they don’t intend to do so is a violation of the Fair Debt Collection Practices Act. Additionally, after receiving the first collection notice, you have 30 days to dispute the debt. If you dispute the debt, then Admin Recovery is required by the FDCPA to prove that you do, in fact, owe the money. A debt collection agency isn’t allowed to sue you if, for example, the debt is past the statute of limitations or if you do not legally owe the debt. It’s a good idea to speak with a fair debt attorney if you’ve been served with a summons or legal complaint.
Yes. However, Admin Recovery cannot threaten you to garnish your wages and garnishment can only only occur if Admin Recovery files a lawsuit and obtains a judgment against you. It’s common for consumers to ignore notice of a lawsuit; if you don’t appear in court, the judge may automatically rule against you. Debt collection agencies have been known to avoid serving consumers with notice to increase the odds of obtaining a judgment. This is called “sewer service” or “gutter service.” The bottom line? If wage garnishment takes you by surprise, talk to a consumer attorney who can fight for your rights.
Yes. Admin Recovery can report debts in collection to the three major credit reporting agencies – Experian, TransUnion, and Equifax. Once a debt is reported to the credit bureaus, it will appear on your credit report and will impact your credit score.
Yes. However, as with wage garnishment, a property lien can only arise out of a court judgment against you. If Admin Recovery files a lawsuit against you and the judge rules in their favor, then the debt collection agency has a right to collect that money. One way of doing that is by putting a lien on your house or property. That’s why it’s imperative to respond to legal papers and to have an attorney by your side who will fight on your behalf.
No. Admin Recovery – or any other debt collection agency like Admin Recovery for that matter – has no authority whatsoever to arrest you. In fact, threatening you with arrest or jail is a violation of the Fair Debt Collection Practices Act. While so-called “debtors prisons” are illegal, only non-payment of things like traffic tickets can lead a judge to issue a bench warrant, which in turn can lead to arrest.
Yes. You absolutely have the right to sue Admin Recovery if you believe they violated the Fair Debt Collection Practices Act. The FDCPA says that debt collection agencies that violate the law must pay consumers up to $1,000 in statutory damages, as well as court costs and attorney fees. That’s why engaging a fair debt attorney to represent you in an FDCPA lawsuit typically doesn’t cost you anything out of pocket. The attorney that agrees to take on your case knows that the debt collection agency will be forced to pay their fees.
If Admin Recovery – or any other debt collection agency – is calling you to the point of harassment, using abusive or profane language, or violating the FDCPA in some other way, it’s time to fight back. Under the law, you may be entitled to up to $1,000. At Lemberg Law, we won’t charge you a dime out of pocket, and we only get paid when you win. Call us today for a free, no-obligation, case evaluation. We’ll get the justice that you deserve.
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Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.