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Savit Collection Agency (SCA) is a third-party collection agency based in New Jersey that specializes in healthcare collections. SCA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as failure to verify debts and attempting to collect debts not owed. If you have been contacted by this debt collector, understand your rights before taking action.
According to the Better Business Bureau (BBB), Savit Collection Agency is a legitimate collection agency founded and incorporated in 1971. The BBB established its profile page in 1994. SCA is listed as a collection agency that uses the alternate business names, Global Check Control, Keystone Recovery Services, and Sa-Vit Enterprises, Inc.
According to its website, Savit Collection Agency “has been continuously serving the medical and dental industries with superior service and recovery rates well above average” and provides “all the services you need to recover past due accounts, taking the burden off you and your office staff so that you can focus on patient care.”
Savit Collection Agency is a full-service collection agency that uses a combination of letters, phone contact, and litigation to collect the maximum amount of funds from the delinquent accounts of healthcare providers. Rather than sending only one letter, relying entirely on high-volume phone contact, or using litigation as the primary means of collection, Savit employs a combination of “methods that work for client accounts.”
SCA’s client base occupies “a variety of industries, primarily in the healthcare field.” Their list of healthcare clients includes primary care physicians, specialists, hospital-based physicians, surgery centers, laboratories, radiology offices, medical billing companies, general dentistry offices, orthodontists, oral surgeons, veterinary hospitals, and ambulance services. Outside the medical profession, Savit Collection Agency has clients in education, legal services, funeral homes, health clubs, automotive services, insurance, and logistics.
SCA’s website does not provide any information about its regulatory compliance policies or training programs. There are no links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 18 complaints against Savit Collection Agency in the past three years, with 6 closed in the past 12 months. Almost all of those complaints allege problems with billing and collections. Since July 2015, the Consumer Financial Protection Bureau (CFPB) has received 13 complaints about SCA. Justia lists at least 2 cases of civil litigation involving SCA.
Savit Collection Agency
PO Box 250
East Brunswick, NJ 08816
Telephone: (800) 491-5757
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely SCA 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 filed in Federal court
In December 2011, in United States District Court, District Court of New Jersey, a judge issued an Opinion in a case alleging Savit Collection Agency had violated provisions of the FDCPA that prohibit the use of false or deceptive language or unfair or unconscionable means to collect a debt. Specifically, the plaintiff in this case received a collection letter from SCA for a $1,000 outstanding debt to an eye doctor. The plaintiff claimed that the letter contained the following language in violation of the FDCPA:
“We sent you a first notice which included your rights under the Fair Debt Collection Practices Act. You still have time to exercise your rights.
This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
MEMBER EXPERIAN, EQUIFAX AND TRANSUNION CREDIT BUREAUS.”
The plaintiff argued that by presenting themselves as members of the credit reporting agencies, Savit used a statement that was false and misleading. The plaintiff also argued that because he had filed a bankruptcy naming Savit Collection Agency as one of his creditors, they did not have standing to collect the debt.
Regarding the FDCPA violation based on misleading language, Savit Collection Agency did not provide any evidence that it was a member of all three credit reporting agencies. Although the plaintiff provided a credible argument supported by evidence that SCA’s claim of credit reporting agency membership was false, he was unable to provide definitive proof, such as a clear and unambiguous statement from the credit reporting agencies themselves. As for the bankruptcy claim, SCA argued that the plaintiff’s bankruptcy protection did not apply to this case because he had included them in his petition for a different debt. The court disagreed, citing evidence and case law that the plaintiff had already cited Savit in the bankruptcy and his failure to update his petition to include the particular bill at issue in the December 2011 hearing had not been done in bad faith. As a result, the court upheld SCA’s motion to dismiss charges that their letter violated the FDCPA, but also upheld the plaintiff’s right to challenge SCA’s standing based on his bankruptcy
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate the collections industry. The FDCPA prohibits actions such as using tactics intended to harass, oppress, or annoy consumers. The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA). These laws are enforced by federal agencies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when you are attempting to communicate with collection agencies.
In addition, these laws provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are trying to resolve a dispute with a 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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