ABC Collectors Debt Collector Harassment?
Is ABC Collectors (ABC) calling you? Stop ABC Collectors phone harassment. Do they threaten to take legal action or garnish your wages? ABC Financial Services garnish can only occur after a court judgment is obtained, and you have rights and potential exemptions under garnishment laws that protect your income and assets. 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 ABC 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.
Introduction to Debt Collection
Debt collection is the process by which creditors or their representatives seek to recover unpaid debts from individuals or businesses. When a debt goes unpaid for a certain period, creditors often turn to specialized companies like ABC Financial Services to help collect what is owed. ABC Financial Services, also known as ABC Financial, acts as an intermediary between creditors and consumers, using various strategies to collect outstanding debts. Understanding how the debt collection process works, and the laws that govern it, is crucial for both consumers and creditors. This knowledge helps consumers protect their rights and ensures that creditors follow legal and ethical practices when attempting to collect debts.
Are they a Scam?
According to the Better Business Bureau website, they have been in business for 55 years.
ABC Collectors Better Business Bureau
Understanding Debt Collection Agencies
Debt collection agencies are companies hired by creditors to recover overdue debts. These agencies, including ABC Financial Services, use a range of methods to contact consumers, such as phone calls, letters, and electronic communications. While many debt collectors operate within the boundaries of the law, some may cross the line into debt collector harassment, using aggressive or misleading tactics to pressure consumers into paying. That’s why it’s important for consumers to be aware of fair debt collection practices and the laws designed to protect them. If you receive calls from a debt collection agency, remember that you have rights, and there are limits to what debt collectors can do. Being informed about these protections can help you respond confidently and prevent abusive or harassing behavior from debt collectors or companies attempting to collect a debt.
Who is ABC Collectors?
They are a third party debt collector and billing services company that manages payments and delinquent accounts, located in Kalispell, Montana. ABC has been a party to a Federal Court case several times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. There have been numerous complaints filed against ABC Collectors regarding their practices.
Address: 130 5th St E
Kalispell, MT 59901-4950
Phone: (406) 752-8001 (This is a telephone number used by ABC Collectors to contact consumers.)
ABC also provides billing services for various industries. ABC works with health clubs and similar businesses to manage memberships and payments.
ABC Collectors Collection Tactics
If they 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.
- Making multiple phone calls per week, which can be considered harassment under the law
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person—being called persistently in error is also a violation
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
Debt collection calls and debt collector calls are regulated by law, and excessive or repeated contacting can be considered harassment. If you are receiving harassing calls, you have the right to request that ABC stop calling you. A debt collector may contact you about a debt, but must follow legal limits and regulations.
ABC Collectors Phone Numbers
Are you receiving any harassing calls from any of the following telephone numbers used by ABC Collectors?
406-752-8001, (406) 752-8001, 4067528001
If the answer is yes, then you are receiving calls from a known ABC telephone number. You may be a victim of ABC phone harassment. The list above is not all the telephone numbers that ABC uses. The harassing calls can be from a different telephone number and it still be ABC Collectors contacting you. Contact our office right away so we can start the process to stop ABC from calling you illegally. You have the right to request that ABC stop calling you, and there are legal protections in place to support this request. Above all, no one should live with harassment!
ABC may also contact you via mail, text message, or text messages, and these forms of contacting you are also regulated by law.
Debt Collection Harassment Laws
Federal laws such as the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA) set clear standards for how debt collectors must conduct themselves. The TCPA restricts the use of automated calls and prerecorded messages, while the FDCPA prohibits debt collectors from using abusive, harassing, or deceptive tactics. If a debt collector violates these fair debt collection practices, consumers have the right to take legal action, which may include seeking statutory damages. Organizations like the Better Business Bureau and the play a vital role in consumer financial protection, offering resources and support for those experiencing debt collection harassment. If you believe you are being harassed by a debt collector, consulting a law firm experienced in debt collection harassment can help you understand your rights and options for stopping the abuse.
Common Questions
Is ABC a scam? No, they have been in business for 55 years.
Can they garnish my wages? Yes, ABC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. In addition, ABC Financial Services may also garnish your bank account if they obtain a judgment.
Can ABC sue me? Yes, ABC can sue you so long as the debt is within the statute of limitations. ABC can also file suit to recover unpaid debts.
Can ABC report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. Failure to pay your debt can negatively impact your credit report.
Can ABC arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, only a creditor or their representative can pursue legal action, but not arrest. If you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a complaint filed against ABC Collectors in the past and can be found on Pacer.org.
2:12-cv-00518-SH Vincent Marzano v. ABC Collectors Inc
Federal and state laws exist to protect consumers from unfair collection practices. You have rights under laws such as the FDCPA, and you can take steps to stop abc financial services from harassing you.
If your rights are violated, you may be entitled to compensation for damages caused by illegal collection practices.
Contact our law firm today for a free consultation regarding your case.
About Us
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 their harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from ABC Collectors. call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
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