When debt collectors cross the line, our attorneys can help.

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Certified Recovery Inc


1280 W Clairemont Ave Ste 1
Eau Claire, WI 54701-5101

Contact Them:

Phone: (715) 833-1455
Fax: (715) 833-1594

Fast Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you before 8 am or after 9 pm.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Jennifer on February 26, 2015 at 11:58 am

      They keep telling me I have a debt and will not give me any information on the debt. I want to work out a payment plan with them and they will not take my money! They said I have to pay it in full or I’m going to have my wages garnished. I have no paperwork on this and no information on where to make payments!

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