🚨Arcadia Recovery Bureau Phone Harassment?
Is Arcadia Recovery Bureau (ARB) calling you? Being on the receiving end of a debt collection call is one of the most stressful situations to be in. People continue to bitterly complain about the stress and anxiety debt collection calls bring to them. This is largely due to the unpleasant approach of these debt collectors. If you are experiencing Arcadia Recovery Bureau Phone harassment, remember that an average debt collector is not interested in the welfare or peace of the debtor. All he wants is to get money from them because they get paid only when they get you to resolve your debt. Consumers can recover attorney’s fees in successful cases against debt collectors under the Fair Debt Collection Practices Act (FDCPA).
This pursuit ends up making many debt collectors insensitive and threatening to the peace of debtors. Being in debt is not favorable to the debtor, but sometimes, people do not really have a choice. You may need to go to college, pay for an expensive medical procedure, or even buy your desired pair of shoes. Coupled with the stress of being in debt, the last thing a debtor needs is harassment and threats from third-party debt collectors wanting to collect on a debt. This is why federal laws have been put in place to ensure that debt collectors do not go too far when trying to recover debts from consumers.
The Fair Debt Collection Practices Act is one of the laws that protect the rights of consumers from the excesses of debt collectors. Debt collectors are expected to refrain from activities like harassing, threatening, and lying to debtors because such actions can attract severe penalties under the law. Any debt collector who is guilty of these unethical practices has violated your rights and should be stopped immediately. Call us now on 877-700-5790
💡Some mistakes you should avoid in dealing with debt collectors
Many people are unprepared when debt collectors call and this leads to them making certain costly mistakes that affect them in the long run. If you are getting calls from a debt collector concerning your debts, try to avoid the following mistakes.
- Panicking: Even though a debt collection call may come as a surprise, try to avoid panicking. Being in a state of panic is the first step towards saying the wrong things in a conversation with a debt collector. Try to remain calm and at ease. This will help you arrive at more rational decisions.
- Volunteering information: This is one huge mistake that debtors make. Do not disclose your personal or financial information to a debt collector, especially on whose identity you have not confirmed.
- Telling a debt collector more than they should know is to your disadvantage. Even when a debt collector is probing you for personal information, you have the right to remain silent if you do not wish to speak. This holds especially when the information they seek is your personal financial information. A debt collector has no legal right to know private information about you such as your bank account or social security number. Specifically, when experiencing Arcadia Recovery Bureau phone harassment, it is vital to remember these points.
- Talking under pressure: You have the right to ask a debt collector to call you at a later time if you feel pressured or not comfortable enough to talk at that moment. Talking under pressure can lead to making deals that could be detrimental to you in the long run.
- Admitting that you owe a debt: This is a trap many unsuspecting consumers fall into out of ignorance. Admitting that you owe a debt can restart the clock on a debt with an expired statute of limitations. Even when you think you may owe the debt, never admit to it over the phone.
- Being ignorant of your rights: Being a debtor does not mean that you do not have rights. There are laws that protect your interests like the FDCPA. Knowing them will greatly improve your levels of confidence when dealing with a debt collector.
🔍Who is Arcadia Recovery Bureau?
Arcadia Recovery Bureau is a third-party debt collector located in Reading, Pennsylvania. Arcadia Recovery Bureau operates satellite offices in Columbus, OH, and San Jose, CA, highlighting its national reach. ARB has been a party to a Federal Court case over 45 times. They have been accused of violating consumers’ rights and using illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. For more information about them visit their Better Business Bureau.
📲Contact Information
Address: 645 Penn Street
4th Flr
Reading, PA 19601
Phone: (610) 378-5000
⚠️Is Arcadia Recovery Bureau a Scam?
No, they’re a legitimate collection agency. Arcadia Recovery Bureau has a satellite office in San Jose, CA, which the Better Business Bureau accredits. According to the Better Business Bureau website, Arcadia Recovery Bureau has been in business for 81 years. There have been 22 complaints filed against ARB with the BBB in the past 3 years of Arcadia Recovery Bureau Phone harassment. Read more about them here, Arcadia Recovery Bureau, Better Business Bureau.
📞Arcadia Recovery Bureau Phone Harassment Numbers
Are you receiving any harassing phone calls from any of the following numbers?
610-378-5000, 800-364-0735, (610) 378-5000, (800) 364-0735, 6103785000, 8003640735
If the answer is yes, then you are receiving calls from a known ARB number. You may be a victim of Arcadia Recovery Bureau Phone harassment. Call us now on 877-700-5790 for immediate assistance.
📝The following is a sample list of complaints filed against Arcadia Recovery Bureau in the past year and can be found on Pacer.gov.
2:17-cv-03812-DRH-SIL Williams v. Arcadia Recovery Bureau
1:17-cv-05347-RJD-JO Shrem v. Arcadia Recovery Bureau
5:15-cv-05136-JLS Allen v. Arcadia Recovery Bureau
5:15-cv-05605-JLS Kern v. Arcadia Recovery Bureau
3:17-cv-04793-JSC Lopez v. Arcadia Recovery Bureau
⚖️Your Rights Under Fair Debt Collection Practices
The Fair Debt Collection Practices Act (FDCPA) is a crucial federal law designed to protect consumers from Arcadia Recovery Bureau Phone harassment. As a consumer, you have several rights under this law that ensure you are treated with fairness and respect by debt collectors. Here are some of the key rights you should be aware of:
- Reasonable Contact Times: Debt collectors must contact you at reasonable times and places. This means they should avoid calling you at work, during meals, or late at night.
- Written Validation of Debt: Within five days of their initial contact, debt collectors are required to send you a written notice detailing the amount owed, the name of the creditor, and a statement that the debt will be assumed valid unless you dispute it within 30 days.
- Right to Dispute: You have the right to dispute the debt in writing. Once you do, the collector must cease collection efforts until they verify the debt.
- Communication Preferences: You can request that debt collectors communicate with you in writing rather than by phone, giving you more control over the interaction.
- Attorney Representation: If you have hired an attorney, debt collectors must stop contacting you and communicate only with your attorney.
Understanding these rights can help you navigate interactions with debt collectors more confidently and ensure that you are not subjected to abusive debt collection practices.
📢Abusive Debt Collection Practices
Abusive debt collection practices are strictly prohibited under the FDCPA. These practices can cause significant stress and anxiety, and it’s important to recognize them so you can take appropriate action. Here are some examples of what constitutes abusive behavior by debt collectors:
- Harassment and Threats: Repeated phone calls, threats of violence, or any form of intimidation are clear violations of the FDCPA.
- False Statements: Debt collectors cannot misrepresent themselves as government agents or attorneys, nor can they make false claims about the amount owed.
- Unfair Practices: Charging excessive fees or interest that are not authorized by the original agreement or by law is considered unfair and deceptive.
- Third-Party Contact: Collectors are not allowed to contact your friends, family, or colleagues to locate you without identifying themselves and the purpose of the call.
- Inconvenient Contact: Calling you at inconvenient times or places, such as your workplace or during meals, is prohibited.
If you believe that Arcadia Recovery Bureau has engaged in any of these Arcadia Recovery Bureau Phone harassment, you may be entitled to damages and attorney’s fees. It’s important to document all interactions and seek legal advice to protect your rights.
⚖️Fair Credit Reporting Act and Your Rights
The Fair Credit Reporting Act (FCRA) is another vital federal law that regulates the collection and use of consumer credit information. This law ensures that your credit report is accurate and used fairly. Here are some of your rights under the FCRA:
- Access to Credit Report: You have the right to access your credit report from each of the major credit bureaus once every 12 months for free. This allows you to monitor your credit and identify any inaccuracies.
- Dispute Inaccuracies: If you find errors on your credit report, you have the right to dispute them. The credit reporting agency must investigate and correct any inaccuracies within 30 days.
- Removal of Negative Information: Negative information, such as late payments or collections, must be removed from your credit report after seven years.
- Opt-Out of Pre-Screened Offers: You can opt-out of receiving pre-screened credit offers, which can help reduce the risk of identity theft.
- Legal Recourse: If a credit reporting agency violates the FCRA, you have the right to sue for damages and attorney’s fees.
Arcadia Recovery Bureau, as a debt collector, must comply with the FCRA when reporting information to credit bureaus. Ensuring that your credit report is accurate and up-to-date is essential for maintaining your financial health.
🛑Stopping Arcadia Recovery Bureau Phone Harassment
If you are experiencing Arcadia Recovery Bureau Phone harassment from Arcadia Recovery Bureau, there are several steps you can take to stop the unwanted contact and protect your rights:
- Written Request: Send a written request to Arcadia Recovery Bureau asking them to stop contacting you. Under the FDCPA, they must comply with this request.
- File a Complaint: You can file a complaint with the Federal Trade Commission (FTC) or your state Attorney General’s office. These agencies can investigate and take action against the debt collector.
- Seek Legal Advice: Contact a consumer rights attorney to discuss your options. An attorney can help you understand your rights and take legal action if necessary.
- Consider a Lawsuit: If Arcadia Recovery Bureau has violated the FDCPA or FCRA, you may be able to file a lawsuit against them. This can result in damages and attorney’s fees being awarded to you.
Remember, you have the right to be treated fairly and respectfully by debt collectors. Don’t hesitate to take action if you believe your rights have been violated. Protecting yourself from Arcadia Recovery Bureau Phone harassment is not only your right but also your responsibility.
🏛️About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing Arcadia Recovery Bureau Phone harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Arcadia Recovery Bureau. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
