Bayside Capital Services Phone Harassment?

Bayside Capital Services

Bayside Capital Services Phone Harassment?

Has Bayside Capital Services contacted you countlessly and without much regard for the time of day? They may have threatened you, stalked you on social media, or involved third parties who have no business knowing about the debt.  You might also be wondering if this will ever stop, or if they have the right to excessively call and harass you even though there are laws that regulate their activities. You may also be wondering when you have enough grounds to sue Bayside Capital Services for debt collection harassment and the violation of your consumer rights.

Debt collectors representing Bayside Solutions Collections cannot behave lawlessly because there are indeed laws that dictate what is acceptable and what is not throughout the debt collection process. These laws are known as the FDCPA, the TCPA, and the FCRA. You may not know this, but you can be awarded up to $1000 for an FDCPA violation claim, and at times have the entire sum of your debt waived.

If you suspect that Bayside Capital Services has acted in a way that violates your debt collection rights, do not hesitate to reach out to us on 844-791-1990.

Is Bayside Capital Services harassing you via telephone?

If you are a consumer living in the United States, it is important to note that the TCPA gives you rights, and Bayside Capital Services must respect those rights. Every debt collection agency must be aware of the TCPA laws and possess a complete TCPA compliance checklist which they train their staff to abide by. If they do not abide by all the laws stipulated by the TCPA when conducting business over the telephone, they will be acting contrary to what is legal and permissible.

If Bayside Capital Services has contacted you at inconvenient hours of the day (usually very late at night or during the early hours of the morning), ignored your letter directing them not to contact you further, used insulting language with you, or placed several advertisements Robocalls to you without first gaining your permission, they may be in violation of your TCPA rights.

The TCPA further prohibits:

  • Automatic dialing systems
  • Pre-recorded messages
  • Unwanted SMS text messages
  • Calls for which a charge is made to the account of the receiver
  • Unsolicited advertisements by fax

Call us today at 844-791-1990, if Bayside Capital Services has acted unprofessionally to you over the telephone. We will be happy to take it from there.

How should you answer when a debt collector calls?

The phone rings and you see it is a debt collection agency calling again. You flip the phone over in disgust, wondering when (and how) you will ever break free of these harassing calls; we all know this scenario all too well.

The sad thing about getting calls from third-party debt collection agencies is that they never come at the right time; however, hiding your head in the sand will never help to fix the situation. The best response has and will always be to confront the state of these affairs head-on and deal with the collection process that has been initiated by your delinquent debt.

As a reputed firm that handles the affairs of countless consumers, believe us when we say that we understand how tempting it may be to try to hide away from the situation or ignore it in the hope that it goes away. The bitter truth is that ignoring routine collection calls from third-party agents can only make things worse. Depending on your personal situation, there may be several things that you need to do when a debt collector calls.

The first thing to do in all situations, however, would be to make sure that the debt collector and the debt are legitimate:
Find out:
• Get the person who you’re talking to and write it down
• Get the name of the debt collection company that the person claims to represent
• Take note of the company’s address and phone number
• Do not forget to ask for the name of the original creditor

Once you are satisfied with the information above that you have gathered, ask the debt collector to send you a debt validation letter containing:
• The amount of the alleged debt
• The name and details of the original creditor
• Information regarding how you can dispute the debt or verify the debt is yours
If the debt collector doesn’t tell you this information the first time it contacts you, ask for the information in writing. You have only five days to request this.

The next thing you would have to do would be to identify the debt. If you recognize that the debt is legitimately yours, then you should contact the debt collector to work out a repayment plan that is suitable for your income and specific circumstance.
If in the process of verifying the debt, you discover that the debt is several years old, then you should find out what your state’s statute of limitations is for filing a lawsuit to collect the before making a payment on the alleged debt or even simply agreeing that it is yours, as doing so could land you in serious hot water. Consulting with an attorney may help you better understand the applicable laws in your state.

If, on the other hand, you’re not sure that the debt is yours and you have no memory of having acquired it, write to your debt collector and ask them to provide you with formal written verification of the debt. The document they will send to you should include the following information:

1) The name and address of the original creditor (if the debts are now being pursued by a third-party debt collector)

2) The alleged amount that they claim you owe

3) Evidence that proves that the debt is indeed yours

If the whole verification process leads you to discover that the debt is not yours, then you should write the debt collection agency to inform them that the debt in question may be a scam or a case of mistaken identity and you do not wish to be contacted about it again.

Lastly, you need to keep your letters. Keep copies of all the correspondence that you receive from a debt collector and make copies of the documents you send to them as well (such as a cease-and-desist letter) just in case an issue arises later, and you need to dispute it.

The Fair Debt Collection Practice Act is a set of rules that were enacted for your protection, and it stipulates that debt collectors can’t harass, oppress, or abuse you or anyone else they contact in the process of trying to get a debt from you.

For example, debt collectors are prohibited from:

• Making repeated phone calls to your office or place of residence with the intent to annoy, abuse, or harass you or any person answering the phone
• Use unprofessional, obscene, harassing, or profane language during any of their communications with you.
• Making threats to cause you bodily harm or send you to jail
• Creating and making public the lists of debt defaulters
• Calling you without identifying themselves as a debt collection agency
If you suspect that a debt collector is harassing you, you can submit a complaint with the Consumer Financial Protection Bureau. Remember that you are not alone in your case of debt collection harassment, and if you have any further questions or wish to speak to an attorney about your rights, please contact us at 844-791-1990 and we will be happy to help.

Here are some additional basic things that you need to know about the Federal Fair Debt Collection Practices Act and the kind of conduct that it expects from debt collectors:

• The Act states that debt collection harassment is illegal, and it restricts a collector’s calls to between the hours of 8 a.m. and 9 p.m. (unless you have already granted them permission to call you at odd hours, which is very unlikely).
• The Act allows you to ask a third-party debt collector to cease calling you at work or at all. You should request this in writing by certified mail with return receipt requested, and a debt collection agency is expected to honor your request.
• The FDCPA also prevents a debt collector or creditor from accessing your bank account or garnishing your wages without first going through the proper and lengthy court process. The only time when your wages can be garnished without your permission is in the case of delinquent IRS or student loan debt. All other threats made to you by a third-party debt collector, or an original creditor are a bluff.
• The Fair Debt Collection Practices Act further stipulates that collector cannot contact third parties—such as your family, friends, or neighbors—more than once about your debt (that is to ask for details about your new address or phone number if you have moved or changed numbers) and they cannot discuss the details of your debt. This is an illegal but not uncommon practice.

Furthermore, we advise you not to use a cease-and-desist letter except in horrible situations of severe harassment, because all negotiations stop, and any hope of coming to a positive resolution is lost.

You can read more about your rights and the limits of collectors by visiting the Federal Trade Commission’s website.

Is Bayside Capital Services a Scam?

According to the Better Business Bureau website, Bayside Services, LLC has been in business for 4 years. In all their years in business, there have been 56 complaints filed against BCS with the BBB (read more here). Regardless, it is invariable important to verify that the number you are receiving calls from actually belongs to Bayside Capital Services and not a fraudster pretending to be them.

Who are Bayside Capital Services?

Bayside Capital Services is a third-party debt collector located in Buffalo, New York. BCS has been a party to a Federal Court case a few times. They have been accused of violating consumers’ rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Contact Information

Address: 210 John Glenn Dr Ste 11

Buffalo, NY 14228-2213

Phone: (855) 591-3081

What to do if Bayside Capital Services sues you

If you get news that Bayside Collections plans to sue you over the nob-payment of your debts, the worst thing you can do would be to ignore the lawsuit. When getting sued by Bayside Collection, you can choose to either respond by yourself, or retain the services of an attorney. Of course we advise that you retain the services of an attorney, as they are more experienced in handling lawsuits than you are.

In accordance with fair practices, you are required to respond to Bayside Collection’s lawsuit by the date specified in the court papers you were served.

After you respond to the lawsuit either through your attorney or by yourself, then, it becomes Bayside Services’ responsibility to prove to the court that the debt is valid and that it is indeed yours.

You should study the lawsuit closely and carefully, and decide the next course of action that is best for you before the deadline. Failing to respond to the lawsuit will most likely lead the court to level a default judgement against you, as is usually requested by the debt collection agency in the lawsuit.

It is important to note that even though the laws says that you must properly receive a lawsuit, running away aor trying to avoid the delivery won’t delay or save you from facing the consequences of the lawsuit you have received from Bayside Capital Collections.

Apart from having a default judgment entered against you (leading to the creditor recovering whatever amount they claim you owe by whatever means necessary), ignoring a lawsuit from Bayside Capital Inc. may also lead to you incurring additional fees, such as the collections costs that the debt collector has incurred in the course of trying to get in touch with you, interests, and their attorney fees.

Default judgments place your fate ultimately in the hands of the court and the debt collection agency. If Bayside Financial Services is able to have a default judgement entered against you, then they may be able to:

  • Garnish your paycheck
  • Freeze or take all or part of the funds in your bank account towards the repayment of your loan
  • Place a lien on your assets

You also may lose the grace of disputing the validity of the debt and the ethicalness of the collection process in a situation where the court issues a default judgment against you.

The bottom line is: don’t ignore a court summon from Bayside Credit or any other debt collector, because there is still hope even when you have been sued by Bayside Collection Agency. It is, however, much more difficult to change the course of things once a default judgement has been set in motion.

Don’t wait; get in touch with a qualified consumer rights attorney today by calling (877)-700-5790. We will listen and advice, and if you can prove a valid case of harassment, you may not need to pay us a dime in attorney fees.

Bayside Capital Services Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

855-591-3081, (855) 591-3081, 855-591-3081, 888-608-5136, 866-573-1114,844-759-0088, 888-521-3381, 866-538-2567, 877-905-5465, 866-347-1748, 844-759-0088, 877-905-5467, 855-309-2217, 866-444-1569, 888-834-3567

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. The calls can be from a different number, and it still be Bayside Capital Services 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!

More about Bayside Capital Services

Bayside Capital Services is a third-party debt collector specializing in collecting delinquent debts on behalf of original or first-party money lenders. 

If you are receiving debt collection calls, then you most likely owe a debt to bayside capital inc and they are trying to get you to pay up. If you owe a debt to Bayside capital management, you can rest assured that Bayside Capital LLC will do everything in its power to retrieve the delinquent debt from you. 

Bayside Capital is located in Buffalo, New York, and you can find more about the company by visiting bayside com. Note that they are licensed and authorized to collect your debts so don’t get upset because you are receiving calls from Bayside company or Bayside credit; it is their right.  

Bayside financial group is after one thing and one thing only- your money, and they are trained to get it. If you owe money to Bayside Capital or if you are getting sued over your Bayside loans, your best bet is to retain qualified legal counsel.

Common Questions our clients ask

Is BCS entitled to arrest me? No, Bayside Capital Services does not have the authority to have you arrested for a debt. You may only get arrested if you violate a court order and the judge issues a warrant of arrest.

How can I stop BCS from calling? Get legal representation, write a cease-and-desist letter, or call us on 844-791-1990

Can BCS sue me? Yes, BCS can sue you so long as the debt is within the statute of limitations

Why is BCS calling? BCS is most likely calling because your debt has been sold or transferred to them.

 

The following is a sample of complaints filed against Bayside Capital Services in the past and can be found on Pacer.org.

1:19-cv-00564-LY Woods v. Bayside Capital 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 Bayside Capital Services 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 prevent harassment from Bayside Capital Services. call us at 844-791-1990 now

Need a little encouragement regarding your debt collection situation? Read about the countless people whose debts we’ve successfully turned into success stories here. 

https://www.consumer.ftc.gov/articles/debt-collection-faqs

New York Attorney General

Consumer Finance