Sage Capital Recovery

Call Us to Stop Harassment

Sage Capital Recovery is a debt collection agency established in 2008 and based in Cherry Hill, New Jersey. Accredited by the Better Business Bureau, they are bound by federal laws such as the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). These laws protect consumers from harassment, robocalls, and unauthorized electronic payments. If Sage Capital Recovery violates these regulations, consumers may be entitled to compensation. Additionally, they must report debt accurately on credit reports. The Consumer Protection Group assists in disputing debt claims and addressing any violations.

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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.