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Stoneleigh Recovery Associates or SRA is a third-party collection agency based in the Chicago area. SRA has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as improper sharing of information or attempting to collect debts not owed. If you have been contacted by SRA about past due financial obligations, understand your rights before taking action.
According to the Better Business Bureau (BBB), Stoneleigh Recovery Associates, LLC is a legitimate collection agency founded and incorporated locally in Lombard, IL in 2007. SRA is listed as a collection agency, a collection system, and a limited liability company. The BBB established its profile page in 2009. Buzzfile estimates SRA’s annual revenue at $6.8 million and the size of its staff at 53 people.
The BBB profile page contains a description of Stoneleigh Recovery Associates as “a nationally licensed, bonded, and insured boutique collection agency…[that] provides service nationally as well as locally around the Chicagoland area…[SRA] provides debt recovery services including revenue cycle management, early intervention, back office support, and First and Third-party collections for clients in the recovery of outstanding accounts receivable. This company also undergoes regular SOC 1 (Service Organization Control) Type II audits.”
According to its own website, SRA’s mission is to “provide direction and assistance to our client’s valued consumers by reducing their debt and improving their lives.” SRA’s services include pre charge-off account servicing; first-party collection services for “past-due” customers; and third-party collections for delinquencies. SRA’s collection staff is active in the auto finance, bankcard, commercial, healthcare, retail, and student loan industries.
SRA’s website includes a “Stop Calling Me” tab on its home page that provides consumers with information about their rights under state and federal consumer protection laws.
As of October 2017, the BBB has closed 34 complaints against Stoneleigh Recovery Associates in the preceding three years, with 8 complaints closed in the past 12 months. Most of the complaints are fairly evenly split between advertising and sales issues and billing and collection issues. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 31 complaints against SRA. and Justia lists more than 25 cases of civil litigation naming SRA as a defendant.
Stoneleigh Recovery Associates, LLC
810 Springer Dr.
Telephone: (866) 724-2330
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely SRA 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 Stoneleigh Recovery Associates LLC – SRA
In July 2017, in United States District Court for the Southern District of Alabama, Southern Division, a judge issued an order regarding a motion to dismiss charges brought by a plaintiff alleging violations of the Fair Debt Collections Practices Act (FDCPA); the Telephone Consumer Protection Act (TCPA); as well as civil charges alleging negligence; wantonness; wanton collections; defamation; invasion of privacy; and fraudulent representation. Stoneleigh Recovery Associates was implicated in the charges alleging violations of the FDCPA; of the TCPA; and of negligence, wantonness, wanton collections, and invasion of privacy.
In this case, the plaintiff had used a Capital One credit card to purchase an off-road vehicle and had given Capital One a lien on the vehicle. The plaintiff later sold the vehicle with the cooperation of Capital One, who then issued a release of lien and written confirmation that her credit card balance was fully satisfied. Nonetheless, Capital One initiated collection proceedings against the plaintiff, making collection calls with an automated telephone dialing system (ATDS) and pre-recorded messages without the plaintiff’s prior consent. Subsequently, the account was acquired by Bureau Investment Group Portfolio No. 15 (Portfolio), who began making calls to the plaintiff about the charges, some of which were made using an ATDS without consent. Portfolio later referred the account to SRA. All of the defendants wrongfully reported to the credit reporting agencies that the plaintiff’s account was past due.
Stoneleigh Recovery Associates was not held liable for violations of the TCPA because those charges resulted from telephone calls that violated this law, and the plaintiff failed to allege that SRA had ever made any calls to her. Charges against the other defendants in this regard were upheld in a subsequent hearing. The defendants, including SRA, argued that the plaintiff failed to show evidence that their actions rose to the level of civil violations of negligence, wantonness, and wanton collections, but the court disagreed, specifically citing their actions as described above and the common practice of bringing a charge of wantonness in the State of Alabama. The plaintiff’s allegations that the defendants had violated the FDCPA and of fraudulent representation were not contested. In a subsequent hearing, counsel for the defense was issued a warning for their conduct, and the entire matter was set for further litigation.
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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