West Virginia Attorney General Patrick Morrisey’s office filed a lawsuit Tuesday against Orlando, Fla.-based Simple Recovery Solutions and its owners for allegedly trying to collect unverified and non-existent debts from consumers in the state.

Simple Recovery Solutions, according to the complaint, repeatedly tried to contact consumers by telephone and mail to collect debts they didn’t owe. The allegations of unfair methods of competition and unfair or deceptive acts are violations of the state’s Consumer Credit and Protection Act. The company also operated without a valid business license in West Virginia, according to the suit. The complaint was filed in the Kanawha County (W.Va.) Circuit Court.

"This complaint seeks to protect West Virginia consumers from paying out money they do not owe," Morrisey said. “Our office believes [Simple Recovery Solutions] and its owners have collected, or attempted to collect, unverified debts from at least 125 West Virginia consumers so far.”

The lawsuit asks a judge to enjoin and restrain the company and all of its officers and employees from engaging in unfair or deceptive acts or practices in collection services of any kind.

Simple Recovery Solutions contacts consumers by telephone and by mail. Consumers often don’t recognize the names of the original creditors, who claimed to be selling credit card interest rate reduction services. The few consumers who may have been contacted by a credit card interest rate reduction service never had their credit card interest rates reduced. The Attorney General’s office alleges the defendants harmed consumers by creating confusion and misunderstanding about debts.

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