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

Get a Free Case Review

Twin Oaks Recovery LLC


1925 E Bennett St Ste I
Springfield, MO 65804-1425

Contact Them:

Phone: (417) 877-0125
Fax: (417) 877-0110

premium wordpress themes

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you via telephone if the collector receives written communication stating that you want the collector to stop calling you.

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. on October 30, 2020 at 7:19 am

      The most common are: Weakening of the abdominal cavity walls A surgical wound infected after an operation Blood clot
      formation where a surgical incision took place hematoma Malnourishment a lack of blood supply to
      the area Opening of a newly stitched area Obesity increased body
      fat can make an operated area difficult to heal
      and a rupture can happen in the smooth muscle tissue Increased age older patients
      often have difficulty healing after stitches and unhealed surgical wounds can lead to a hernia Heavy lifting Continuous coughing Straining for a bowel movement or urinating Severe vomiting Pregnancy stretching of the abdomen Diabetes Steroid use PAIN
      Most often ventral hernias are painless, even when the bulge is touched. how often can you take viagra

    2. viagra generic cvs on November 4, 2020 at 1:38 pm

      What Causes Abnormal Vaginal Discharge?
      viagra generic cvs canadian pharmacy generic

    3. free generic viagra samples on November 5, 2020 at 5:17 am

      Most importantly, the N-methyl ring substitution was removed to improve binding within the pterin pocket,
      and the length of the side chain carboxylic acid was optimized to fully engage the pyrophosphate binding site. is it safe to buy viagra online

    4. where can i buy generic viagra online safely on November 5, 2020 at 2:39 pm

      Symptoms of ringworm include itchy, red, raised, scaly patches on the skin that may blister and ooze.
      where can i buy generic viagra online safely viagra cialis online canada

    5. on November 20, 2020 at 3:12 pm

      Female viagra usa purchase viagra online without

    6. on November 20, 2020 at 8:23 pm

      Cheap viagra without prescription generic viagra for sale in usa

    7. order sildenafil online uk on November 20, 2020 at 11:27 pm

      Sildenafil 25 mg india best
      prices for viagra

    8. buy college essay on December 1, 2020 at 3:32 am

      Where can i buy an essay buy custom
      essays online

    9. order custom essay on December 1, 2020 at 3:34 am

      Custom essays review custom essay writer

    10. dissertation binding service on December 1, 2020 at 5:50 am

      Writing my dissertation phd dissertation search

    11. thesis topic on December 3, 2020 at 4:27 am

      Thesis data analysis
      editing thesis

    12. where to buy essays on March 21, 2021 at 12:59 pm

      Buy an essay paper where to buy essays

    13. thesis literature review on March 23, 2021 at 5:31 am

      Help me write a thesis statement thesis literature review writing
      phd thesis

    14. legit essay writing services on March 23, 2021 at 2:00 pm

      Best online essay writing services legit essay writing services essay
      writing service review

    15. mba dissertation on March 24, 2021 at 1:36 pm

      Dissertation proposal template what is dissertation writing

    16. best custom essay writing on March 27, 2021 at 10:55 am

      Instant essay writer best custom essay writing custom essay station

    17. essay writing service canada on March 29, 2021 at 5:00 am

      Essay writer cheap top custom essay services

    18. writing dissertation on March 30, 2021 at 9:32 am

      Dissertation assistance
      dissertation format

    19. custom college paper on April 1, 2021 at 7:19 am

      Paper help writing custom college paper write my papers

    20. cialis usa on April 2, 2021 at 8:30 am

      Cialis 20 mg cheap
      purchase cheap cialis soft tabs

    21. what does cialis look like on April 4, 2021 at 1:25 pm

      Cialis blaack what does cialis look like cialis for sale in canada

    22. canadian pharmacies without prescriptions on April 9, 2021 at 4:27 pm

      Buying drugs canada price prescription drugs

    23. cheap cialis overnight on April 11, 2021 at 1:07 pm

      Generic cialis no prescription cialis paypal bezahlen

    24. Aggrenox caps on April 24, 2021 at 10:48 am

      Canadian pharmacies top best Aggrenox caps Malegra
      FXT plus

    25. tiempo de efecto de levitra on April 26, 2021 at 12:22 pm

      Para que es el medicamento levitra most effective way to use levitra

    26. cheap pharmacy online on April 28, 2021 at 4:00 am

      Arcoxia Precose

    27. hydroxychloroquine patient assistance on April 30, 2021 at 4:24 pm

      hydroxychloroquine patient assistance

    28. can amoxil cause heart attack on April 30, 2021 at 7:24 pm

      can amoxil cause heart attack

    29. price of cialis at walgreens on May 2, 2021 at 4:02 pm

      Generic cialis paypal ver to bay cialis

    30. cialis online canada paypal on May 3, 2021 at 10:37 pm

      Cialis on li generic cialis 20 mg online

    31. generic cialis with dapoxetine on May 4, 2021 at 2:05 pm

      How many milligrams of cialis can you take in a day ? order cialis online nb canada

    32. what is the recommended dosage for viagra on May 12, 2021 at 9:19 pm

      So sanh viagra cialis levitra viagra
      at age 19

    33. where to buy over the counter cialis on May 12, 2021 at 11:02 pm

      where to buy over the counter cialis

    34. viagra en pharmacie en belgique on May 13, 2021 at 3:10 pm

      Viagra quantas vezes por semana 100mg viagra

    35. lumigan eye drops cost on May 14, 2021 at 3:55 pm

      careprost cost lumigan eye drops cost careprost sample request form

    36. 60 mg vidalista coupon printable on May 16, 2021 at 3:47 pm

      This post is priceless. Where can I find out more?

    37. hydroxychloroquine dosage coronavirus on May 16, 2021 at 4:06 pm

      certainly like your web site however you have to take
      a look at the spelling on several of your posts. A number
      of them are rife with spelling issues and I find it very bothersome to inform the reality on the other hand I will certainly
      come back again.

    38. cialis erectile dysfunction on May 18, 2021 at 6:24 am

      I’m not sure exactly why but this web site is loading extremely
      slow for me. Is anyone else having this issue or is it a problem on my end?
      I’ll check back later on and see if the problem still

    39. cialis sale singapore on May 20, 2021 at 4:07 am

      buy cialis soft tabs online cialis sale singapore cialis pills for sale

    40. keflex without a doctor's prescription on May 23, 2021 at 7:13 pm

      It’s actually very complicated in this full of activity
      life to listen news on TV, thus I just use internet
      for that reason, and get the newest news.

    41. ivermectin pills for scabies on May 23, 2021 at 10:21 pm

      Great post. I was checking constantly this
      weblog and I’m impressed! Extremely useful info
      particularly the closing section :) I deal with such info much.
      I used to be looking for this certain info for a very lengthy time.
      Thank you and good luck.

    42. hydroxychloroquine sulfate solubility on May 25, 2021 at 1:08 pm

      I will immediately grasp your rss as I can’t to find your e-mail subscription hyperlink or newsletter service.
      Do you’ve any? Please allow me recognize so that I may
      subscribe. Thanks.

    43. what does ciprofloxacin treat on May 26, 2021 at 4:45 am

      You could definitely see your skills within the work you write.
      The sector hopes for even more passionate writers such
      as you who are not afraid to say how they believe.
      At all times follow your heart.

    44. female cialis 10mg on May 28, 2021 at 7:44 pm

      The other day, while I was at work, my sister stole my apple
      ipad and tested to see if it can survive a twenty five foot drop,
      just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views.
      I know this is completely off topic but I had to share it with someone!

    45. coupon code canada drugs on May 31, 2021 at 5:33 am

      Online pharmacy technician jobs coupon code canada drugs ed
      pills online pharmacy

    46. cialis canada pharmacy on May 31, 2021 at 11:24 am

      Canadian pharmacy king reviews consumer reports cialis canada pharmacy canadian prescription drugstore

    47. cialis self life on May 31, 2021 at 10:21 pm

      Buy generic cialis with paypal cialis self life canadian pharmacy
      generic cialis

    48. Best cialis online when will generic cialis be available in the usa buy cheap cialis online with mastercard

    49. zertalin azitromicina on June 11, 2021 at 6:29 pm

      It’s impressive that you are getting ideas from this article as well as from our argument made at this time.

    50. where to buy cephalexin 500 mg on June 11, 2021 at 9:24 pm

      Hello! This is my first visit to your blog!
      We are a group of volunteers and starting a new initiative in a community in the same niche.
      Your blog provided us beneficial information to work on. You have done a wonderful job!

    51. buy cheap viagra online usa on June 14, 2021 at 4:12 am

      Thank you for the auspicious writeup. It in fact was a amusement account
      it. Look advanced to far added agreeable from you! By the way, how can we communicate?

    52. where to get inhalers online on June 16, 2021 at 4:43 am

      Hello! I understand this is kind of off-topic however I had to ask.
      Does building a well-established blog such as yours take a massive amount work?
      I am brand new to writing a blog but I do write in my journal everyday.
      I’d like to start a blog so I can easily share
      my experience and views online. Please let me know if you have any kind of suggestions or
      tips for new aspiring bloggers. Appreciate it!

    53. hydroxychloroquine manufacturers usa on June 16, 2021 at 11:11 pm

      I think this is among the most important info for me.
      And i am happy reading your article. However should remark on some common issues,
      The website style is perfect, the articles is truly excellent : D.

      Excellent process, cheers

    54. tadalafil fast delivery medspformen on June 23, 2021 at 2:07 pm

      Hello there! Do you use Twitter? I’d like to follow you if that would be ok.
      I’m undoubtedly enjoying your blog and look forward to
      new updates.

    55. acyclovir dose for hsv 1 on June 24, 2021 at 3:04 pm

      Hey there, You have done an excellent job. I will certainly digg it and personally recommend to my friends.
      I’m sure they’ll be benefited from this website.

    56. buy cialis on line without presciption on July 6, 2021 at 11:55 am

      Cialis lower blood pressure buy cialis on line without presciption cialis for sale

    57. what is in hydroxychloroquine on July 18, 2021 at 9:45 pm

      It’s difficult to find knowledgeable people in this particular subject, however, you seem like you know what you’re talking about!

    58. cost of sulfamethoxazole trimethoprim on July 22, 2021 at 6:35 pm

      Thanks very interesting blog!

    59. hydroxychloroquine for sale florida on July 23, 2021 at 3:39 am

      Good day! Do you use Twitter? I’d like to follow you
      if that would be ok. I’m absolutely enjoying your blog and look
      forward to new posts.

    60. what is in albuterol on August 31, 2021 at 10:52 am

      I’m extremely impressed with your writing skills as well as with the layout on your blog.
      Is this a paid theme or did you customize it yourself?

      Either way keep up the excellent quality writing, it is rare to see a nice blog like this one these days.

    61. azithromycin 500mg tablet on September 13, 2021 at 2:39 pm

      I constantly spent my half an hour to read this weblog’s articles or
      reviews everyday along with a mug of coffee.

    62. generic sildenafil without subscription amazon on September 14, 2021 at 2:25 am

      I am really enjoying the theme/design of your site. Do you
      ever run into any browser compatibility issues?
      A couple of my blog audience have complained about my blog not working
      correctly in Explorer but looks great in Safari.
      Do you have any suggestions to help fix this issue?

    63. prednisone 48 pack directions print on September 16, 2021 at 2:27 pm

      May I simply just say what a comfort to uncover somebody who truly understands what they are talking
      about on the internet. You certainly know how to bring a problem to light and make
      it important. More people really need to read this and understand this side of your story.
      It’s surprising you’re not more popular given that you definitely
      possess the gift.

    64. ivermectin kill fleas on October 14, 2021 at 11:28 am

      I blog frequently and I genuinely thank you for your content.
      The article has truly peaked my interest. I am going to bookmark your blog and keep checking for new details about
      once per week. I opted in for your RSS feed too.

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.