Bath Credit Service Phone Harassment?
Is Bath Credit Service (BCS) calling you? Stop Bath Credit Service phone harassment. 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. Repeated calls, threats, or the use of profane language by debt collectors can constitute abuse and harass consumers, and such abuse is a violation of your rights. You have the legal right to stop BCS 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, and you should consider filing a complaint or lawsuit if you experience such a violation.
Is Bath Credit Service a Scam?
According to the Better Business Bureau website, Bath Credit Service has been in business for 1 years. There have been 4 complaints filed against BCS with the BBB.
Bath Credit Service Better Business Bureau
Who is Bath Credit Service?
Bath Credit Service is a third-party debt collector located in Bath, New York. Bath Credit Service is not the original creditor, such as a bank or credit card company, but is instead a debt collection agency hired by creditors to collect unpaid debts. Debt collection agencies like BCS are subject to different legal requirements than original creditors, including banks and credit card companies, who may have different rights when contacting consumers. BCS 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.
Address: 12 Liberty St
Bath, NY 14810-1507
Phone: (607) 776-7689
Bath Credit Service Collection Tactics
If Bath Credit Service engages 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, or destroy your credit
- 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
For example, if a debt collector calls you repeatedly at work or late at night, you have the right to make them stop calling. You can send a written request or letter instructing them to cease communication. Putting your request in writing is important for your legal protection.
Bath Credit Service Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
607-776-7689, 607-776-7303, (607) 776-7689, (607) 776-7303, 6077767689, 6077767303
If the answer is yes, then you are receiving calls from a known BCS number. You may be a victim of BCS phone harassment. The list above is not all the numbers that BCS uses. You may be called at inconvenient times or from a different, unfamiliar number, and it can still be Bath Credit Service calling you. Contact our office right away so we can start the process to stop BCS from calling you illegally. Above all, no one should live with harassment!
Understanding Your Rights
When you’re contacted by debt collectors or a collection agency, it’s crucial to understand your legal rights as a consumer. Federal law, including the Fair Debt Collection Practices Act (FDCPA), is designed to protect you from unfair debt collection practices and debt collector harassment. Debt collectors are required to follow strict rules when contacting you about a debt, and you have the power to stop debt collector calls that cross the line into harassment.
Under the FDCPA, debt collectors are prohibited from using abusive language, making threats, or engaging in any form of unfair or deceptive collection activity. They cannot call you at unreasonable hours, use profane language, or discuss your debt with anyone other than you, your spouse, or your attorney. If a debt collector is contacting you at work, using obscene language, or making threats, these actions are considered harassment and are illegal.
If you want to stop collection calls, you have the right to send a cease and desist letter—a written request instructing the collection agency to stop contacting you. Sending this letter by certified mail provides a record of your request and can help protect you from further harassment. If the debt collector continues to contact you after receiving your cease and desist letter, you may have grounds to file a complaint with the Better Business Bureau or pursue legal action.
It’s also important to keep detailed records of every call, letter, or message you receive from a debt collector. Note the date, time, telephone number, and content of each communication. This documentation can be valuable evidence if you need to dispute a debt, file a complaint, or take legal action against a collection agency for violating your rights.
Remember, you have the right to dispute any debt and request a written statement verifying the amount and origin of the debt. Debt collectors must provide this information in good faith before continuing collection activity. Never feel pressured to provide personal or financial information over the phone, as this can put you at risk for fraud or identity theft.
If you believe a debt collector is violating the law or using abusive tactics, consult with an attorney who specializes in debt collection defense. They can help you understand your rights, stop the harassment, and protect your credit and financial future. Don’t let debt collectors intimidate you—know your rights, keep records, and take action to stop unfair debt collection practices.
Common Questions
Is BCS a scam? No, Bath Credit Service has been in business for 1 years.
Can BCS garnish my wages? Yes, BCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Wage garnishment is a legal process that allows a portion of your money to be withheld from your paycheck to pay a debt.
Can BCS sue me? Yes, BCS can sue you so long as the debt is within the statute of limitations. If you owe money and do not pay, BCS may seek a court judgment to collect the debt.
Can BCS report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. Failing to pay can affect your credit and cost you more money in the long run.
Can BCS arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, 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 sample of complaints filed against Bath Credit Service in the past and can be found on Pacer.org.
5:14-cv-00182-ACC-PRL Nowicki v. Bath Credit Services
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 the Bath Credit Service harassment. We recommend that you keep a recording or detailed notes of any calls you receive from debt collectors, as this can help build a strong case. 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 Bath Credit Service. call us at (877)700-5790 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”.
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
https://consumerlawfirmcenter.com/franklin-collection-service-phone-harassment/
https://consumerlawfirmcenter.com/atlantic-recovery-services-phone-harassment/
https://consumerlawfirmcenter.com/central-credit-audit-phone-harassment/
https://consumerlawfirmcenter.com/matthews-pierce-lloyd-phone-harassment/
https://consumerlawfirmcenter.com/c-b-y-systems-inc-phone-harassment/
https://consumerlawfirmcenter.com/cbj-credit-recovery-phone-harassment/
https://consumerlawfirmcenter.com/complete-collection-solutions-phone-harassment/
https://consumerlawfirmcenter.com/bronson-migliaccio-llp-phone-harassment/
https://consumerlawfirmcenter.com/stop-collection-recovery-service-inc-phone-harassment/
https://consumerlawfirmcenter.com/american-credit-bureau-phone-harassment/
