- Who is Southern Credit Recovery?
- Southern Credit Recovery Complaints?
- Southern Credit Recovery Lawsuits
- Southern Credit Recovery Contact
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- How Do I Stop Southern Credit Recovery Debt Collection Harassment?
- How Can I Delete Southern Credit Recovery from My Credit Report?
- How Can I Deal with Southern Credit Recovery?
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Southern Credit Recovery, Inc. (SCR) is a third-party collection agency based in Louisiana. SCR has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as making false statements and using improper communication tactics. If you have been contacted by SCR, understand your rights before responding.
According to the Better Business Bureau (BBB), Southern Credit Recovery, Inc. was founded in Louisiana in 1968. The BBB established SCR’s profile page in 1997 and lists SCR as a collection agency. Buzzfile estimates SCR’s annual revenue at $6.2 million and the size of its headquarters staff at 80 people.
SCR’s website does not provide a lot of information. It consists of one page that identifies the company as a debt collector that uses information obtained through the website for the purpose of collecting debts. Their contact information appears at the bottom of the page. There is also a disclaimer informing site visitors that they can pay online, in person, or by mail. Site visitors who agree to utilize the online pay feature are informed that SCR is not responsible for content that appears on the pay portal site.
The site does not include information about SCR’s business practices. There are no links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 14 complaints against Southern Credit Recovery Inc in the past three years, with 11 closed in the past 12 months. Almost all of those complaints allege problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 11 complaints about SCR. Justia lists at least 3 cases of civil litigation involving Southern Credit Recovery.
Absolutely. Here are some Sample Cases against Southern Credit Recovery Inc
In December 1998, in the United States Court of Appeal for the Eleventh Circuit, a judge issued a decision in a case alleging violations of the Fair Credit Reporting Act (FCRA). In this case, the plaintiff’s wife was admitted for medical treatment to a local hospital on two separate occasions. During the time of her hospital stay, she and the plaintiff were separated but still married. The plaintiff’s wife used the plaintiff’s medical insurance information to cover the costs of hospitalization. The insurance company paid for the covered portions, but the reaming balances of over $2,500 were billed to the plaintiff and went unpaid. Both bills were ultimately sent to collection agencies, one of which was Southern Credit Recovery. In both cases, the plaintiff disputed the debts. In the first case, he was removed as the responsible party; in the second he was not. Subsequently, the plaintiff’s son was admitted to a different hospital and again used the plaintiff’s insurance information to cover the costs. After the insurance company paid its portion, a remaining balance of $64.01 was sent to collections. The plaintiff filed a complaint in a Georgia state court “seeking a permanent injunction and damages under the FCRA, and alleged various state law claims. He brought suit under the FCRA against Equifax, Equifax Credit Information Services (ECIS), and Certified Bureau, and brought state law claims of defamation, intentional infliction of emotional distress, invasion of privacy, negligence, and outrage against BR Medical, BR Health, Patient Financial Services, SW Medical, and Southern Credit.” The defendants removed the case to federal court and moved to have the plaintiff’s complaints dismissed. The federal district court dismissed most of the defendants, including the healthcare providers and SCR for “lack of personal jurisdiction” because none of them was located in Georgia, where the complaint had been originally filed. The plaintiff moved to amend his complaint and add “two state law claims against Equifax and ECIS.” His motion was dismissed because he failed to “comply with the planning report filed with the court, which provided that amendments to the pleadings should have been filed within 30 days of the planning report.”
The December 1998 hearing was called to determine the plaintiff’s appeal of the earlier decisions regarding jurisdiction and request to remand the case back to a different state court, as well as his request to amend his complaint. The discussion in this case was largely procedural. The plaintiff had conceded the dismissal of the healthcare providers as defendants. The courts could not find any law that would justify remanding and retrying the case in a different venue, because the prevailing laws would neither result in a different outcome nor negate earlier decisions. Although the court did acknowledge the plaintiff’s second attempt to amend his complaint, he was unsuccessful in citing any legal grounds that would enable the court to reconsider his request.
Southern Credit Recovery, Inc.
P.O. Box 8710
Metairie, LA 70011-8710
Telephone: (866) 356-6954
Understanding Your Debt Collection Rights
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.
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.
What Our Clients are Saying
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