Sage Capital Recovery

Sage Capital Recovery is a debt collection agency founded in 2008 and located in Cherry Hill, New Jersey. This company is accredited by the Better Business Bureau.

Do You Know Your Rights Under the Law?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that applies to everyone in the United States. It lists what debt collectors can and cannot do while collecting a debt, as well as what they must do. If Sage Capital Recovery is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA)

The TCPA protects you from robocalls. You may be eligible to receive $500 per call if Sage Capital Recovery violates the TCPA. Pre-recorded messages or cut-off messages are tell-tale signs of robocalls, and you may have a TCPA case against the agency if you have such messages on your phone.

The Electronic Fund Transfer Act (EFTA)

The EFTA protects electronic payments from bank accounts. If Sage Capital Recovery took unauthorized deductions, you may have an EFTA claim. The agency must follow certain steps to comply with the EFTA if they set up recurring payments from your account. If they took more money than agreed or continued after you asked them to stop, you may have a case.

The Fair Credit Reporting Act (FCRA)

The FCRA ensures no false information is reported on your credit report. You have the right to dispute inaccuracies. If Sage Capital Recovery reports a debt on your credit report, they may offer to remove it in exchange for payment, a practice known as “pay for delete.” Both the original creditor and the debt collector must accurately report any changes after the debt is paid.

How Do We Use the Law to Help You?

We will use state and federal laws to stop Sage Capital Recovery’s debt collection. We will send a cease-and-desist letter and, if necessary, pursue damages under the FDCPA, EFTA, FCRA, or state laws. Under the FDCPA, you may receive up to $1,000 in damages, plus actual damages, and the debt collector may have to pay your attorney’s fees.

What if Sage Capital Recovery is on My Credit Report?

If Sage Capital Recovery appears on your credit report, we can help you dispute it. Mistakes on credit reports can be costly, leading to higher interest rates, credit denials, or even job loss. Our office will help you obtain your credit report and dispute any inaccuracies, including incorrect public records or outdated collection accounts.

Can Sage Capital Recovery Garnish My Wages?

No, unless they have a judgment. Without a lawsuit and judgment, Sage Capital Recovery cannot garnish your wages. If they have threatened wage garnishment, contact us immediately.

Sage Capital Recovery Settlement

If you want to settle a debt with Sage Capital Recovery, consider the following:

• Do you really owe this debt?
• Is this debt within the statute of limitations?
• Is this debt on your credit report?
• If you pay this debt, will it be removed from your credit report?
• Will you receive written confirmation of the settlement?

We are here to help answer these questions and more. Whether it’s harassment, settlement, or any other issue with Sage Capital Recovery, we at Consumer Protection Group are here to help.

Top Debt Collection Violations

Debt collection agencies often violate the law in the following ways:

• Calling about a debt you do not owe.
• Calling at work after you told them not to.
• Leaving a message without identifying the company.
• Failing to disclose that the call is from a debt collector.
• Contacting third parties even though they have your contact information.
• Disclosing your debt to third parties.
• Continuing to call after you asked them to stop.
• Threatening legal action like a lawsuit or wage garnishment.
• Calling before 8:00 AM or after 9:00 PM.
• Contacting you after you filed for bankruptcy.
• Failing to mark the debt as disputed on your credit report after a dispute.