Dependon Collection Service Phone Harassment❓
Is Dependon Collection Service harassing you with constant phone calls? Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop their phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Dependon Collection Service a Scam?
According to the Better Business Bureau website, They have been in business since 1998. However, it has faced complaints and legal actions for alleged violations of the Fair Debt Collection Practices Act (FDCPA), including reports of harassment and improper communication with consumers . While not a scam, it’s crucial to verify any debt claims they make. Under the FDCPA, you have the right to request a written validation notice detailing the debt’s amount and origin. If a collector refuses to provide this information or uses aggressive tactics, it’s advisable to report them to the Federal Trade Commission or seek legal counsel.
What is Dependon Collection Service?
Dependon Collection Service, Inc. is a third-party debt collection agency based in Hillside, Illinois, with over 40 years of experience in credit and collections. The company offers receivables management services to various industries and is affiliated with major credit bureaus like Equifax, Experian, and TransUnion.
🏛️ Dependon Collection Service Address: PO Box 4833 Oak Brook, IL 60522-4833
📞 Phone: (708) 632-5720
Understanding Debt Collection
Debt collection is the process where a third-party collection agency, such as CCB Credit Services, attempts to collect unpaid debts from consumers on behalf of the original creditor. This process can be stressful and overwhelming, especially when dealing with aggressive debt collectors who may engage in harassment and abuse. It is essential to understand the fair debt collection practices and laws that regulate the behavior of collection agencies to protect your rights. The Fair Debt Collection Practices Act (FDCPA) is a federal law that applies to everyone in the United States and protects consumers from debt collectors like CCB Credit Services.
Dependon Collection Service Collection Tactics
If their Service engage in any of the following tactics, you may have a case:
- 🚫 Using profanity or abusive language
- ⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
- 📞 Calling you multiple times per week
- 🗣️ Talking to others about your debt
- 🏢 Calling your workplace
- ⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
- ❌ Telling you or anyone else that you’ve committed a crime
- 🔁 Calling repeatedly for the wrong person
- 📜 Failing to notify you of your right to dispute the debt
- 💰 Trying to collect more than legally allowed
Dependon Collection Service Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 (630) 570-6800
- 📲 (708) 209-1300
- 📲 (708) 632-5720
If the answer is yes, then you are receiving calls from a known Dependon Collection Service number. You may be a victim of Dependon Collection Service phone harassment. The list above is not all the numbers that Dependon Collection uses. The calls can be from different numbers and it still be DCS calling you. Contact our office right away so we can start the process to stop them from calling you illegally. Above all, no one should live with harassment!
How Dependon Collection Service Affects Your Credit
Dependon Collection Service, as a third-party collection agency, may report debts to the credit bureaus, which can negatively affect your credit score. Consumers have filed complaints against DCS for inaccuracies in credit reporting. According to the Fair Debt Collection Practices Act (FDCPA), debt collectors like DCS must comply with federal laws and provide consumers with written notice of their debts. If Dependon Collection fails to comply with these laws, it may be considered a violation, and you may be entitled to statutory damages. It is crucial to review your credit report regularly to ensure that DCS has not made any errors or inaccuracies in reporting your debt.
Monitoring Your Credit Report
Monitoring your credit report is an essential step in dealing with collection agencies like Dependon Collection Service. Consumers have searched for various ways to monitor and dispute errors on their credit reports. You can request a free credit report from the major credit bureaus once a year and review it for any errors or inaccuracies. If you find any mistakes, you can dispute them with the credit bureau and request that they be corrected. It is also essential to keep records of all communications with DCS, including phone calls, letters, and emails, in case you need to dispute any errors or inaccuracies on your credit report.
Protecting Your Rights
If you are being harassed by a debt collector like Dependon Collection Service, it is essential to know your rights under the law. Consumers may be entitled to money damages if their rights are violated by debt collectors. It is crucial to provide an answer to any legal claims made by debt collectors to protect your rights. You have the right to dispute the debt, request debt validation letter, and stop unwanted calls. You can also file a complaint with the Better Business Bureau or contact a law firm that specializes in consumer protection law. An attorney can help you understand your rights and options, including the possibility of filing a lawsuit against the debt collector for violating the FDCPA. Under the law, you may be entitled to statutory damages, including up to $1,000 in damages, plus attorney’s fees. The FDCPA has a fee-shift provision, which means the debt collector pays the attorney’s fees and costs.
Seek Legal Assistance
If you are being harassed by a debt collector or collection agency, such as Dependon Collection Service, it is crucial to seek legal assistance to protect your rights under state and federal laws, including the Fair Debt Collection Practices Act (FDCPA). A law firm specializing in debt collection harassment can help you navigate the complex process of dealing with debt collectors and ensure that your rights are protected. You should seek legal assistance if you are receiving unwanted calls, letters, or other forms of communication from a debt collector, or if you believe that a debt collector has violated your rights under the FDCPA. Legal professionals can provide you with the necessary support to stop the harassment and potentially recover statutory damages for any violations.
The following is a sample list of complaints filed against Dependon Collection Service and can be found on Pacer.gov.
- 📋 1:18-cv-08027 Earley v.
- 📋 1:15-cv-00020 Kuhn v.
- 📋 1:09-cv-02476 Hill v.
- 📋 1:08-cv-00013 Otil v.
- 📋 1:06-cv-04033 Turken v.
CONSUMER RIGHTS LAW FIRM PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop them harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from Dependon Collection Service, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 Working with Consumer Rights Law Firm PLLC was a game-changer. They treated my case with urgency and helped end the harassment I had been facing for too long. Their legal team is knowledgeable, caring, and incredibly effective. I finally feel like someone had my back.
- 🏆 After months of phone harassment from debt collectors, I turned to Consumer Rights Law Firm PLLC for help. They were professional and understanding from day one. Not only did they stop the calls, but they also got me financial compensation. I highly recommend their services.
- 🏆 Consumer Rights Law Firm PLLC is everything you’d want in legal representation. They were quick to respond, thorough in their explanations, and relentless in stopping the calls. Their team made me feel like a priority every step of the way. Truly excellent service.
FAQs
What is Dependon Collection Service and why are they calling me?
Dependon Collection Service is a third-party debt collection agency that contacts consumers about outstanding debts. They may be calling because they believe you owe money that has been sent to them for collection.
Is Dependon Collection Service a scam or legitimate debt collector?
Dependon is a legitimate collection agency based in Illinois. However, you should always request written validation of the debt to ensure it’s accurate and belongs to you.
Are they allowed to call me so frequently or at odd hours?
No. Under the FDCPA and TCPA, collectors cannot harass you with excessive phone calls (typically more than 7 calls in 7 days) or contact you before 8 a.m. or after 9 p.m. without your permission.
What counts as phone harassment under these laws?
Harassment includes repeated or continuous calls intended to annoy or abuse you, threatening language, obscene messages, calling outside permitted hours, or ignoring your stop-call requests.
Can I make them stop calling me?
Yes. You can send Dependon a written cease-and-desist or stop-calling letter. Once they receive it, they must stop contacting you except to notify you of legal action.
What should I do if they leave threatening voicemails or harassing messages?
Document and save every voicemail. Harassing or threatening language may violate the FDCPA and could form the basis of a lawsuit.
Can I sue Dependon Collection Service for harassment?
Yes. Under the FDCPA, you can sue for statutory damages up to $1,000 plus actual damages such as lost wages, and have attorney’s fees paid by the collector.
How do I report them if they break the rules?
Report violations to the (CFPB), Federal Trade Commission (FTC), your state attorney general, and consider filing a complaint with the Better Business Bureau.
Can repeated calls to my cell phone lead to additional penalties?
Yes. If they use automated calls, robocalls, or call your cell without prior consent, you may also claim damages under the Telephone Consumer Protection Act (TCPA), typically $500 per call.
Will all of this affect my credit score?
Possibly. Dependon may report the debt to credit bureaus. If the debt is incorrect or outdated, you have the right to dispute it under the Fair Credit Reporting Act (FCRA).
