Is Armin, O’Conner & Boch guilty of Phone Harassment?
Even though Armin, O’Conner & Boch is entitled to collect all of the debts you owe, legally, the methods they can employ to do so is regulated by the Fair Debt Collection Practices Act. The law was passed by Congress in 1978 as an amendment to the Consumer Credit Protection Act of 1968.
The Fair Debt Collection Practices Act, no matter how fair, does not cover original creditors, it only covers third-party debt collectors and debts the accrued for personal purposes. Furthermore, several states have extra laws that govern the conduct of debt collection agencies. So, if Armin, O’Conner & Boch is acting in a way that is inconvenient to you, you can rest assured knowing that you are fully protected by the law.
Debt collectors like Armin, O’Conner & Boch must act in accordance with the FDCPA (Fair Debt Collection Practices Act), and the TCPA by respecting the rights of customers. Failure to comply can attract statutory damages of up to $1000 per FDCPA violation claim.
6 Tips for dealing with threatening calls from Armin, O’Conner & Boch
In addition to letting, you know about your rights, we have six tips to help you effectively deal with threatening collection calls from Armin, O’Conner & Boch.
- Know your rights and insist that they are respected: The Fair Debt Collection Practices Act is a federal law that was passed by Congress in 1977. The best part about the FDCPA act is that it spells out exactly what third party debt collectors are and are not allowed to do when it comes to getting you to pay up your debts.
If there are collection agents from Armin, O’Conner & Boch calling and threatening you every day, then it is in your best interest to familiarize yourself with the FDCPA and what it says about your rights so that you may be able to accurately tell when the collection agent contacting you from Armin, O’Conner & Boch has violated the FDCPA rules.
To cursorily look over the FDCPA rules, a third-party debt collector is not allowed to call before 8 a.m. or after 9 p.m.; they are also prohibited from calling on non-workdays like on a Sunday, for example. Your third-party debt collection agency’s representative must not use abusive, profane, or obscene language with you, they are also prohibited from scaring you with threats of violence and prohibited from adding extra fees on the real amount of your debt. If you are wondering if a third-party debt collection agency can sue you, the answer is yes; they are, however, not allowed to threaten a lawsuit that they have no intention of filing.
Different states have varying degrees of strictness that they require third-party debt collection agencies to comply with. In Massachusetts, for example, the rules are much more restrictive on allowable calls. For example, a third-party debt collection agency is not allowed to call your home number more than twice for each debt in any seven-day period. Furthermore, they are not allowed to call you more than twice in a 30-day period on a number of asides your home number. Additionally, they are prohibited from calling up your place of employment especially after you have told them not to do.
For this reason, it is strongly advisable that you read about your state’s regulations for FDCPA compliance so as to correctly know when a debt collector has stepped out of line. You are also permitted to file a complaint with the Federal Trade Commission if you think your rights have been violated.
- Bring a pen and paper: It is necessary to record all the exchanges that happen between you and your third-party debt collector, and this applies to both situations when you either physically take a call and speak with a debt collection representative or when their calls go to voice mail. Important things to take note of and record are the date and time of the phone call, the details that were discussed during the conversation or voicemail message, and if (or how) the debt collection agent violated either your FDCPA or your TCPA rights during the call. Take note of the name of the representative that you spoke to, the name of the agency that they claim to represent, their mailing address, the name and details of the alleged creditor to whom you owe the original loan, and the amount of money they claim you owe.
- Insist that the caller validates the amount that they claim you owe: It is funny how some consumers go ahead to pay a debt simply because they got a call from an individual claiming to be a representative of a debt collection agency.
Apart from the fact that this can be an outright scam, it is also common knowledge that some debt collectors are notorious for unscrupulous practices, such as threatening to take you to court over a debt that is way past the statute of limitations, and therefore no longer legally pursuable. This is not only illegal but a violation of your consumer rights as well.
As also mentioned earlier, you could be the unsuspecting sucker who is unknowingly caught in a debt collection scam. In other cases, you simply may not owe s debt, and it might be a case of wrong information or mistaken identity.
With the reasons listed above, you must now see why it’s smart and extremely important to politely insist that the person calling you and claiming to be the representative of a debt collection agency sends you aa written validation of the debt which they claim you owe. The debt validation letter that they send to you must furnish you with information on the amount of the alleged debt, the name and address of the original creditor, and the full name of the person who owes the debt (including titles and abbreviations).
The law gives them five days to send this notice to you and you have 30 days to dispute it if you are convinced that the debt owed is not yours. If you choose to dispute the debt, you should know that your dispute must be in writing, and it is also advisable to send it via certified mail so that you may retain the proof of delivery.
- Say only what is necessary: Did you know that by simply agreeing to a debt that is not yours (or one which carries an expired statute of limitations), a debt collection agency may legally restart the clock on an old debt for which they could no longer hold you on?
Yes, one of the quickest ways to implicate yourself is by getting too chatty with a debt collection representative, thereby revealing sensitive information, and agreeing to doubts you ordinarily shouldn’t have agreed to.
This is why it is important that whenever you get a call from a third-party debt collection agency, you must make sure that you are not sharing any personal or sensitive information with the person on the other end of the line (especially in cases when you do not know the identity of the caller and you have no sure way of determining that they are from the agency they claim to represent). Examples of sensitive information that you should not be sharing with an anonymous caller include bank account numbers, social security numbers, credit card numbers, income details, and other pieces of information that should be kept private.
You should also remember that you are speaking to a debt collection representative whose sole aim is to get money out of you and not your friend, therefore, anything you say can (and probably will) be used against you. Do not be deceived and let yourself get carried away by the friendly demeanor of a debt collector.
Furthermore, do not verify the name of your employer, or admit that you just earned enough money to put towards the resolution of another loan. Don’t disclose how much you earn or whether or not you have multiple streams of income. When a debt collection agent calls about a debt that you recognize or not, the first thing you should do is ask them to send you a debt validation letter and avoid saying more beyond that.
- Feel free to hang up: If you receive a debt collection call from a third-party collection’s agency and during the conversation with their collection’s representative, they begin to violate your FDCPA and TCPA rights by engaging in illegal practices, then you should feel free to hang up the phone.
Some examples of unethical practices that a debt collection representative may engage in include making threats, using profane language, misusing your credit information, or threatening to take legal actions that they are not allowed to. If a debt collection agency’s representative is making you feel uncomfortable, then it’s okay to point it out and politely ask that they respect your rights and end the call of they don’t. No one deserves to be threatened or verbally abused by debt collectors regardless of the amount that they owe in debts. This is also another reason why it is important to take note of the collector’s name, firm, and abusive behavior should you need to file a complaint against them.
- Never ignore legitimate debt collection calls: We have some disheartening news for you: ignoring debt collection calls will not make your debts go away. If anything, it will make them accumulate interests and penalties to the point where you may actually get sued and have your wages garnished.
Phone records reveal that as many as 70 million Americans were contacted by debt collection agencies in 2017 alone (according to statistics from the Consumer Financial Protection Bureau). That is a lot of people receiving phone calls about debts they would rather not talk about. Nevertheless, not talking about these debts will only make them worse.
As a consumer rights law firm that handles the debt harassment cases of a multitude of individuals, trust us when we say that we understand how tempting it can be to ignore legitimate collection calls when funds are tight and hope that they will go away. However, it’s always a much better option for your long-term financial health to resolve any debts you owe to debt collection agencies in order to avoid unpleasant consequences and interests. You should remember that the earlier you address your debt collection issue, the more options will be left open to you regarding how to fix it.
Who is Armin, O’Conner & Boch?
Armin, O’Conner & Boch is a third-party debt collector located in Buffalo, New York. They specialize in providing debt collection services to clients all over the United States with a focus on consumer and commercial collection accounts.
Address: 4950 Genesee St Ste 140
Buffalo, NY 14225-5570
Phone: (888) 645-0772
Is Armin, O’Conner & Boch a Scam?
According to the Better Business Bureau website, Armin, O’Conner & Boch has been in business for 3years. During this period, there have been 86 complaints filed against AOB with the BBB. Read more about them here: Armin, O’Conner & Boch Better Business Bureau
Here’s how to get the unwanted calls from Armin, O’Conner & Boch to stop for good
First and foremost, to stop receiving annoying calls from Armin, O’Conner & Boch, you must write a cease-and-desist letter. A cease-and-desist letter is a document that lets your debt collection agency know that you no longer wish to be contacted over an unsettled debt. A cease-and-desist letter; however, does not mean that you no longer have to worry about resolving your debt, it only stops debt collectors from reading out to you via phone, letters, or emails. You can also stop unwanted calls from Armin, O’Conner & Boch by requesting validation of your debt during which time they are not allowed to call you up to collect the debt they are still trying to verify. This only lasts a few days, however.
If you have no idea how to construct a cease-and-desist letter that gets the desired results, or if your debt collection agent has failed to respect a cease-and-desist letter you have sent in the past, call us now on 844-791-1990 and we will be happy to review your case for free.
More about Armin, O’Conner & Boch
The official number associated with this collection agency is 888-645-0772., and it is often searched for by other names which include o’conner (or o conner), and conner and buck.
Is conner calling you ceaselessly? Are you wondering who is armin and why they wouldn’t stop calling you over a debt you do not recognize? Then reach out to us now at 844-791-1990 for immediate assistance.
We can stop the harassment that you may currently be facing from armand o’connor and bach. Call us today.
Armin, O’Conner & Boch Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
888-645-0772, 866-456-7985, (888) 645-0772, (866) 456-7985, 888-645-0772, 866-456-7985, 888-214-6451, 888-213-9121, 888-214-6473, 888-214-6473, 888-986-0190, 888-214-6473, 888-213-9121
If then you are receiving calls from a known AOB number and may already be a victim of debt collection harassment. Call us now on 844-791-1990, and we will be happy to assist you.
Common Questions our clients ask about Armin, O’Conner & Boch
Over the course of being in business for over 10 years, we have come across several clients who have several questions to ask. Many of these questions also concern Armin, O’Conner & Boch, and the debt collection process.
Do you have a question to ask? Visit here to find answers now.
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 the Amin, O’Conner & Boch harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
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