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

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Recoveries Unlimited


35 Pinelawn Rd Ste 200W
Melville, NY 11747-3199

Contact Them:

Phone: (631) 574-1800
Fax: (631) 574-1810

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. Rebecca O. on April 6, 2015 at 10:34 pm

      A rep from Recovery’s Unlimited repeatedly calls me at work. After the first call I told Recovery’s Unlimited that I cannot receive personal calls at work. Recovery’s Unlimited has continued to call me at work.

    2. Kara G. on May 21, 2015 at 10:34 pm

      All that really has to be said is look at this company’s name. It is “Recovery’s Unlimited.” It actually says “Recovery’s Unlimited” on their letter head. Now anyone with a dictionary can tell you that “Recovery’s” is not the correct spelling. It is “Recoveries,” as in “Recoveries Unlimited,” which is how the company name should read.

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