Vital Recovery Services are a real scumbag – How can I deal with them?

It is your moral duty to pay the debts but you should pay to only those who are authorized for this collection. Don't end up paying to someone who didn't have your file and tried to pocket your money. Send Vital Recovery Services the dispute letter once again and ask for the debt validation. Without the correct info, don't send a dime

The debt maybe out of the SOL period depending upon your last payment date. So there are no chances if someone can sue you for this debt. But the debt remains valid and you can pay it anytime. Vital Recovery Services will threaten with all possible lawsuits. Make sure that the last payment date has been out of the SOL period. When you are confirmed about this, make Vital Recovery Services aware about your federal rights.

Negative information stays in the credit report for seven years from the date of first delinquency. If you plan to pay this one, make sure that you do it in one time otherwise the reporting in your credit file will get longer upon each default.

Thank you for your reply. Can you lead me to a sample letter that talks about debt validation. thanks, jon

http://www.debtconsolidationcare.com/letters/
Right there dude!

I realize i may owe this debt.i am moraly obligated to pay it if it is legimate .however i do think it is past the sol,,,i would like to contact the origianl
Debtor,,but not sure if i should,this company that contacted me hinted at legal action.can they do this ?
Since it is way past sol?

If the SOL is expired then Vital Recovery Services cannot file suit against you (if they do you may use the SOL as your defense) in addition to that since Vital Recovery Services have threatened suit when they cannot legally do so it is a violation of the fdcpa which carries a civil penalty that may be pursued by the debtor (you) up to $1000.

Robert, I don't think they can take legal action if it is past the SOL.
Juanws, am I understanding correctly that you have already taken care of this debt that has popped up with a previous negotiation? If so then you should probably send a DV letter to Vital Recovery Services and give them 30 days to reply. Have you done this already? If not, then send one and make sure to send it return receipt requested.

This is the owner of Vital Recovory Services.
Feel free to call him at home and let him know that you do not appriciate his business practices.


CHRISTOPHER J. SHULER

2768 Grey Moss Pass
Duluth, GA 30097-4901

(770) 622-6447

Don't pay Vital Recovery Services anything, if you don't know if you owe it or not. These people have been calling me, multiple times and at illegal times and the person doesn't live here. When I try to tell them this, they talk over me and are rude. I don't think the people I've talked to acted professional, so I doubt they are legitimate. I will be reporting them, so I am sure to find out!!

yeha, I know this is an old thread, but for anyone who might deal with them in the future, take a good look at the first post in this thread.

First they say they bought the debt--it was sold by the original creditor:

Quote:

I keep getting calls from this company looking for a family member who died in 1980. I informed them of this, asked Vital Recovery Services to stop calling and they refused unless I provided them with MY personal info.

The best thing to do in this case would be to send them a written request to cease all contact with you. Send it to them certified mail, return receipt requested. You do not have to provide Vital Recovery Services with any information as it is not your debt, also as such they cannot pursue legal action against you.

Vital Recovery Services has been harassing my handicapped mother, and when I finally called, the lady I spoke to would not let me or my mother get in a word edgewise! I have reported them to the FCC and have filed a complaint with the fdcpa. I asked for proof of debt, and the woman on the phone would not provide proof of debt. She was extremely rude, and overstepped her boundaries by making personal assumptions of what the debt incurred from.

Welcome to the community Nitro, the best way to complain about this would be to file your complaints with the Federal Trade Commission and your state Attorney General's office.
If you would like you can send them a debt validation letter to obtain details on the account, you can find a good template for this via my signature. Please be sure to send the enclosure included with it via certified mail, return receipt requested.
By federal law, upon receipt they must cease all collection activity by Vital Recovery Services until they provide you with the requested documentation. Here is their contact information:
Ph. (678) 578-1020
Fax. (678) 578-1050
"sales@vitalsolutions.net"
vitalsolutions.net
3795 Data Drive ??????? Suite 200
Norcross, Georgia 30092

I used to work for Vital Recovery Services. They deal with a lot of companies that buy old credit accounts. The best way to get them to leeve you alone is to send them a letter. Otherwise you are just in an autodialer loop that will keeep calling you over and over again.

Your automatic operator keeps calling. I call back and your answering machine is full! I do not owe any one or anything. I have my credit report in front of me and my son-in-law works at TRW as an account director world-wide. So take me off your list because there is not any debt! Or I will see my attorney and take you to court!
Sincerely,
Elana McDonald

Welcome to the community Elana. This is debt consolidation Care. A online community of consumer advocates. Our site also offers free debt consultation services. We are in not affiliated with Vital Recovery Services in any shape or form.

what the hell? this company is totally a freaking SCAM! I THOUGHT SO!I guess I'll be sending that letter soon!
THANKS FOR THE TIPS!

I paid a court mediated service to handle the payment of my accounts and all of the companies were notified of this in writing. Gradually all of them have stopped calling except for drug money laundering, NWO based JPM Chase, and now these clowns at VRC. I haven't been here to answer but listening to their unproffessionalism and rudeness in prior posts, I doubt I will speak to them, unless it's through the mediator.

i used to work for them as well. and yes as an employee you st at your desk, wait for the patch through from the dialer and then run their number for info. and most employees are rude hell they lied to me about my job offer. so play by the book and pursue and youll be fine.

To the two members that used to work for VRS. I would like to know are they affiliated with LVNV Funding, Resurgent Capital Services, Sherman Funding, etc...? I believe all of these so-called companies are affiliated and when one fails to steal your money the other attempts to steal it. There has got to be some type of legal recourse to stop these bottom feeders.

To the two members that used to work for VRS. I would like to know are they affiliated with LVNV Funding, Resurgent Capital Services, Sherman Funding, etc...? I believe all of these so-called companies are affiliated and when one fails to steal your money the other attempts to steal it. There has got to be some type of legal recourse to stop these bottom feeders.

Thank you sooo much, everybody. I just received a letter from VRS today which put me in a major headspin. Of course, feeling like my credit score was in jeopardy, I contacted them asking the legitimacy of a debt from Fingerhut Catalog(?) that was 10 years old. My friend was the one who pointed out it sounded like a scam. He googled them and found this site and referred me here. I plan on using those letters you provided. Thanks for putting me at ease.

I too am being harrassed by these people. I sent them a letter to stop contacting me years ago but they refuse to honor it. I sent them a new letter with copies to my state AG and to the state AG of the state that the debt was originally in.
They refuse to provide documentation of the debt andonly say it was purchased from so-n-so company. The debt is past SOL for my current state and the originating state.
We all need to get together and file a class action suit against them.Maybe this will get their attention to change, but I doubt it.
Good luck to all who deal with them.

fdcpa Provision 15 Section 1692C prohibits excessive contact by a collection agency. File a complaint with your State Attorney Generals Office. You can sue for triple damages.

VRS sent letter to wrong name, but our address. When we answer cert.w\rec. do we have to sign our name, as we don't owe anyone. We don't want to give our name. Just want to say "occupant" and address.

I have been contacted by your company that I owe a debt to Nissan. I have tried several times to get information from them as to the details of the damages they expect me to pay for. After months of contacts and waiting I am very frustrated. I am not certain what these charges are for and would like detailed information before making any payment.

William...Welcome to the Forum! This is a forum dedicated to Credit Repair and not a collection agency. If you would like to post some details of your issue, I am sure we would be able to assist you.

well mr schuler doesn't own the company anymore, it was trans ferred back to mr gagula and as far as the website info it is all non legitit I think you people best get your facts straight before you do anything

whatever guest,this stupid outfit called vital recovery is a bunch of goofballs no matter who owns it.NUFF SAID!!!!

Hi I recieved your letter in the mail for an account that is no longer collectable it is beyond the statue of limitations and I would apreciate not recieving anymore contact on this matter thank you. acct# 18686452

Russell, you need to contact the creditor that has sent you the letter. We at DCC are a web site designed to help creditors with debt issues such as payday loans, debt consolidation, etc. We don't send out letters.

Good luck!

Does anybody bother to look past the first hit that comes up on Google? Type in Vital Recovery Services and the first 2 results are here. The third result is them. I blame Bush! He spends too much time looking at "the Google" looking at maps and such (this is the guy that can re-task a Keyhole Satelite to look at topless sunbathers in San Tropez BTW)....dumbing the whole country down

Now Nascar, wouldn't you like to look at topless sunbathers? You know for a fact that this country was "DUMBED DOWN" long before Bush came into office.

I live very close to this ass hat, so I decided to go pay him a visit.
He is an old guy with a tiny office in a strip type industrial park. You know the red brick tinted glass kind of place. Bad for him, the front door was propped open with the carpet by the door, so I let myself in and walked around the dump until I found him sitting in front of his 17 inch GLASS tube monitor from the early 90s. It was so pathetic. I marched right into his office addressed him by name and before he could even get up, I physically slammed the cease and desist letter on his desk. He was quite shocked, and I think he thought I was a process server at first. Needless to say he was more than kind enough to show me the way to the front door mumbling something about the cops as a laughed at him. If his company ever calls me again I will take this matter to court as others have:

dockets.justia.com/docket/court-gandce/case_no-1:2008cv01756/case_id-151312/


Here is who is behind the calls:

He don't have a single real picture on his website. It's all purchased stock photos. His business is a dump. I captured a little cell phone video in his office.

I guess that would qualify as proof of delivery!

w w w.linkedin.com/in/cshuler

That's great. There are a few CA's in Dallas I would love to do that too. Wolpoff and Abramson's local Dallas attorneys office is on my way to work. Will have to wait for my next correspondence from them before I walk in my C&D. :twisted:

Dear Sir or Madam:
send a letter similar to this


Reference to your letter....... I dispute the alleged debt listed above and demand verification of the aforementioned debt pursuant to Fair Debt Collection Practice Act. Please provide the subject Contract between the parties, the Card Holder Agreement and the Statement of Account.

Please direct all further contact regarding this claim to my attention with a certified mail. Do not make any phone contacts.

Thanks for your anticipated cooperation.

Sincerely,

Dear Sir or Madam:
send a letter similar to this


Reference to your letter....... I dispute the alleged debt listed above and demand verification of the aforementioned debt pursuant to Fair Debt Collection Practice Act. Please provide the subject Contract between the parties, the Card Holder Agreement and the Statement of Account.

Please direct all further contact regarding this claim to my attention with a certified mail. Do not make any phone contacts.

Thanks for your anticipated cooperation.

Sincerely,

Vital Recovery called me a month ago advising they purchased my account from what I believe is an old VISA account. Stated I owe $7143. and it would be forgiven if I paid $2857 now. I advised I couldn't and she said I could pay $100. monthly and it would then be renegotiated. I don't know when I paid the last pmt but sent VR $100. last month. I never got anything via mail from them and that doesn't sit right with me. Would you advise me to pay another $100. without any verification in writing??

NO WAY!!!!!!!!!!!!!send a DV and limited C&D letter.send them certified mail return receipt.make them prove there right to collect this debt.

I will definitely send them a certified-return receipt letter demanding proof they have the right to collect this debt; however, just what do you mean by a DV and limited C&D letter? TY

These guys ran a hard credit inquiry on me today. I have had no letters or any calls. I do not owe anyone anything. Is it legal run credit checks without authorization?

grace that means debt validation and cease and desist.send those letters right away.i almost guarantee you won't hear from them again.

I sent the C&D letter and DV and haven't heard from those people since. You were so right and I thank you for the advise.

I just got a letter from Vital Recovery Services yesterday and the past few days have been getting automated phone calls. The debt they are trying to collect on is valid and they are offering me 50% off. I would like to pay it and get it over and done with but I'm afraid they are scammers and won't record my payment and report it to the credit bureaus as paid. Advice?

Get any agreement in writing before paying a penny. Stipulate that they report is as "Settled in Full" (doubt you could get a PIF for 50%) and that the remaining balance not be sold to another debt collector. If the amount of forgiven debt is over $600 they would have to issue a 1099-C

This Vital Recovery is a scam! There is no written note of who or what the original debt was. Then we reviewed the information on our credit report....WE NEVER OWED ANYONE THIS AMOUNT THAT WAS LEFT UNPAID! Do NOTTTT pay these people, They have ZERO right to phone you, try to collect, or otherwise. The credit bureau in my state told me that they will not even pay the creditor nor would it be erased from your credit since only the original creditor would do that. I have reported them to the FBI !

Firts off we had a dedt..for a car we had a week and got screwed on it..well no one ants to pay 8 g's on something they dont have... well after months of there bull shit...and different amount to pay here and there....by different people off an on..just ask for it in writeing before u send anything..... we had a paper sent to us..stateing ..the smallest they would take..and... a week later they tried to give us the full amount agian..but it wasnt in writeing...so we sent what we had in writeing!!!! and my hubbys job was on the line.. we paid 1200.00 and its done..but NOW hes been waiting for them to do there part for over a month......and give us..a document my hubbys job needs so he dont lose security clearance ! its been OVER a month..and its been sent in the mail..but they have no copy..its...benn typed up again.a.nd submitted again to be sent ..but they wont give any..detail if its been sent....this and they..really.......have fun dealing with these people they r shady..and will get you for all the money they can.. !!! they will lie and say they wont have your account after 30 days so they can get more out of you..but they r liars...... dont give in.....!! its 3 months after and they STILL have our account!!!

If u plan to pay them sk them to send what u own in documentaion ..and then u will go from there this way u have a receipt .....really cover your butt with them!! i dont trust these ppl at all..and u have already paid them off..how sad is that!

Vital Recovery is a bottom-feeding, third party, bad paper purchaser. They've been harassing us for months with recorded messages for someone who doesn't live here, but they don't take the number out of their system. It's just an automated system -- there's no real person and they don't want to reach a real person, either. If you return the call, you get some receptionist or whatever, and she does nothing but try to solicit information from you, including your SS#, probably so they can try to find an old debt for you.

If you really owe the money, call the original creditor and make an arrangement for payment with them. Tell them you will do business with them, but not with this phony debt collector, and make sure you get everything in writing and get receipts for what you do pay, and when your debt is paid in full, make sure they put that in writing, too.

Vital recovery took $5.oo out of my checking account without my knowledge. How did they get this information?