- Who is Central States Recovery?
- Is Central States Recovery a Scam?
- Central States Recovery Complaints?
- Can Central States Recovery Sue Me or Garnish My Wages?
- Central States Recovery Lawsuits
- Central States Recovery Calling?
- How Do I Stop Central States Recovery Debt Collection Harassment?
- How Can I Delete Central States Recovery from My Credit Report?
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Central States Recovery or CSR is a third-party collection agency based in Kansas. CSR has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and making false statements. If you have been contacted by Central States Recovery, understand your rights before responding.
According to the Better Business Bureau (BBB), Central States Recovery was founded in 1986, and the BBB established its profile page in 2002. CSR is listed as a collection agency. Buzzfile estimates CSR’s annual revenue at $2.7 million and the size of its headquarters staff at 36 people.
According to its website, CSR “combines dedication to excellence, state-of-the-art technology and a thoroughly trained and motivated collection staff with a service and support staff that’s second to none.”
Central States Recovery specializes in collections for healthcare providers, who make up 95% of their clientele. CSR’s collection staff are trained to follow the CSR collection process, which begins by running “all listings through the ‘National Change of Address’ database prior to the first letter being mailed.” Collection letters contain “all verbiage necessary to be compliant with federal and state statutes.”
Next, accounts are assigned for follow-up calls. “Accounts without telephone numbers are placed in a queue from which they will be looked up utilizing AT&T’s data base via modem.” If patients cannot pay in full, CSR’s collection staff “gathers a complete financial profile to determine exactly what the patients’ maximum effort can be.” For harder-to-collect accounts, it “may be necessary to seek legal action against a patient… as a last resort and…only with a client’s written permission.”
CSR “utilizes Ontario System’s FACS software and also has the ‘Guaranteed Contacts’ integrated predictive dialer which enables… calling pools for each collector based on specified parameters.” CSR’s technology enables “clients…to upload delinquent patient accounts…through a HIPAA/HITECH regulated portal.”
Central States Recovery has posted a statement that “all efforts to collect client accounts are within strict guidelines set forth by various laws governing our industry.” However, they do not provide detailed information about their compliance polices, nor do they provide links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 19 complaints against Central States Recovery in the past three years, with 4 closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since December 2013, the Consumer Financial Protection Bureau (CFPB) has received 51 complaints about CSR. A search for “Central States Recovery” in the Justia database does not return any results.
Central States Recovery Contact Information
Central States Recovery, Inc.
P.O. Box 3130
Hutchinson, KS 67501-3130
Telephone: (800) 779-0419
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Central States Recovery would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases against Central States Recovery Inc.
Complaints against Central States Recovery cite problems resulting from inaccuracies in reports to the credit reporting agencies (CRAs) and in the documentation of bills they attempt to collect. In July 2017, a complainant indicated she had been writing and filing complaints against CSR regarding a bill the complainant alleged had never been validated. The complainant indicates the bill in question originated with a utility company; that she requested validation as opposed to verification; and that regardless, CSR had failed to verify the debt in the first place. She allegedly called a manager at CSR three times to ask for itemized statements. The manager claimed to have already mailed a statement and refused to mail another one despite the complainant having explained that her spouse “is active duty military,” resulting in frequent relocation. The complainant insisted that she did not owe the bill, but would be willing to pay it if CSR were able to provide documentation of the charges. In response, CSR “requested the account be deleted from any consumer reporting agency files to which they… submitted information.”
In February 2016, a complainant alleged that CSR’s activity regarding a bill for his daughter’s medical treatment was fraudulent. The complainant believed he had already paid the bill with a credit card, and, in any case, had not received collection letters or delinquency notices. The CSR representative who eventually called them attempted to secure additional payment by credit card in exchange for a promise not to report the item to the CRAs. Subsequently, the complainant contacted the medical facility and discovered the date of service was inaccurate and agreed to pay the medical facility directly. The complainant called CSR back to inform them the bill had been paid and requested that the item not be reported to the CRAs, but the representative refused to remove the item because he “did not pay on the initial phone call.” The representative allegedly said that “she was ‘doing them a service and a favor’ but they forfeited that because they did not give… bank information upon the initial …phone call.” In response, Central States Recovery indicated they had “instructed Trans Union, Equifax and Experian to delete record of the collection. The account will be deleted, is paid in full, and is now closed.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
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