Benjamin Michael & Associates Phone Harassment?
Is Benjamin Michael & Associates (BMA) calling you? Stop Benjamin Michael & Associates 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. You have the legal right to stop BMA phone harassment. It is strongly advised that you consult with experienced attorneys who can help you recognize violations and protect your rights when dealing with debt collection harassment. Having a zealous advocate on your side ensures your interests are vigorously represented in litigation or negotiations with debt collectors. 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.
Is Benjamin Michael & Associates a Scam?
According to the Better Business Bureau website, Benjamin Michael & Associates has been in business for 20 years.
Many businesses rely on reputable collection agencies, such as American Profit Recovery, to handle delinquent accounts, but it is important to conduct thorough research into an agency’s reputation before engaging their services.
Read more here: Benjamin Michael & Associates Better Business Bureau.
Who is Benjamin Michael & Associates?
Benjamin Michael & Associates is third party debt collector located in Coram, New York. BMA 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.
Benjamin Michael & Associates collects debts on behalf of their clients, with a focus on ethical and compliant practices. Their team’s job is to manage the entire collecting process, from initial contact to reporting on amounts collected. By acting as an extension of the client, the team works to collect outstanding debts efficiently and provides regular updates on collected funds.
Address: 625 Middle Country Road Coram, NY 11727
Phone: (631) 234-5020
Benjamin Michael & Associates Collection Tactics
If Benjamin Michael & Associates engages in any of the following tactics, you may have a case:
- ➤ Using profanity or abusive language (prohibited by FDCPA, see line 806)
- ➤ Calling you before 8:00 a.m. or after 9:00 p.m. (prohibited by FDCPA, see line 805(a)(1))
- ➤ 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
Consumers may be called at their house or workplace, and employees can also experience harassment from collection agencies through these tactics.
Consumer Protection Laws: Your Rights Against Harassment
When it comes to dealing with a collection agency, debt collectors, or a law firm like Benjamin Michael & Associates, it’s crucial to understand that you have powerful legal rights designed to protect you from harassment. The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets strict guidelines for how debt collectors and collection agencies can contact and interact with consumers. This law prohibits abusive, deceptive, or unfair collection tactics—such as repeated phone calls, threats of legal action without basis, or sharing information about your debts with your family, neighbors, or employer.
As a consumer, you have the legal right to demand respect and fair treatment from any debt collector or collection service. If you’re contacted about a debt, you can request written verification of the amount owed and the name of the original creditor. If you believe the debt is not yours or the amount is incorrect, you have the right to dispute it. Additionally, you can instruct the collection agency or law offices to stop contacting you, and by law, they must comply with your request.
If you feel your rights have been violated—whether through harassing phone calls, threats of legal action, or illegal reporting to credit bureaus—you can take action. File a complaint with the Federal Trade Commission (FTC), your state’s Attorney General, or the Better Business Bureau. You can also seek legal counsel from a law firm that specializes in accounts receivable management and consumer protection. Many firms, including those with experience in New York, offer a free consultation and can help you set up a payment plan or defend you in court if necessary.
It’s important to remember that each state has its own set of laws regulating debt collection practices. For example, New York has additional protections for consumers, and the state Attorney General’s office actively pursues collection agencies and associates LLCs that engage in illegal or harassing behavior. Researching your state’s laws can help you better understand your legal rights and the best way to protect yourself.
If you’re receiving calls from a debt collector, don’t panic. Ask for all the details about the debt, including the amount owed, the original creditor, and any supporting data. If you want the calls to stop, send a written request to the collection agency or law firm’s legal department. Remember, you are not alone—there are legal services and zealous advocates ready to help you resolve your debts and achieve the best possible outcome.
Don’t let harassment from debt collectors disrupt your life. Know your rights, seek help when needed, and take control of your financial future. With the right support and information, you can protect yourself, resolve your debts, and put an end to illegal collection tactics.
Complaints Against Benjamin Michael & Associates
The following is a sample list of complaints filed against Benjamin Michael & Associates in the past and can be found on Pacer.gov.
- 📋 2:16-cv-03914-SJF-ARL Hernandez v.
- 📋 2:17-cv-05600-SJF-AKT Ortiz v.
- 📋 7:10-cv-02196-KMK Broadhurst v.
- 📋 4:13-cv-03650 Leard v.
Consumer Rights Law Firm PLLC
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. Our team’s strong education in law and ongoing involvement in educational activities ensures we are well-qualified to advocate for justice on behalf of our clients, especially in workplace harassment cases. Rather than suffer alone, contact our office to begin the process to stop the Benjamin Michael & Associates 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 safeguard yourself and prevent harassment from Benjamin Michael & Associates. call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
Frequently Asked Questions
Why is Benjamin Michael & Associates calling me?
Benjamin Michael & Associates may be contacting you about an outstanding debt they are attempting to collect on behalf of a creditor.
Can Benjamin Michael & Associates call me at work?
Debt collectors like Benjamin Michael & Associates cannot contact you at work if you have told them that your employer prohibits such calls.
What should I do if Benjamin Michael & Associates is harassing me?
Document each instance of harassment, request all communication in writing, and contact a consumer rights attorney to protect your rights.
Is Benjamin Michael & Associates allowed to leave threatening voicemails?
No. Threatening or abusive messages are illegal under the Fair Debt Collection Practices Act (FDCPA). You may be eligible to sue for damages.
Can a law firm help stop Benjamin Michael & Associates’ phone harassment?
Yes. Consumer Rights Law Firm PLLC can help stop harassing calls and recover compensation if Benjamin Michael & Associates violated your rights.
Can Benjamin Michael & Associates contact my family or friends?
Debt collectors may only contact third parties to obtain your contact information. Discussing your debt with others violates the FDCPA.
What are my rights under the FDCPA if Benjamin Michael & Associates is calling me repeatedly?
You have the right to request that all communication stop. Harassing or repetitive calls are illegal under the FDCPA and TCPA.
Can Benjamin Michael & Associates sue me for not paying a debt?
They can file a lawsuit only if they have legal grounds. However, you will receive written notice first, and you have the right to dispute the debt.
How can I make Benjamin Michael & Associates stop contacting me?
Send a written cease-and-desist letter requesting all communication stop. If they ignore it, report them to the CFPB or an attorney.
Who can help me take legal action against Benjamin Michael & Associates?
Consumer Rights Law Firm PLLC can represent you in a claim against Benjamin Michael & Associates for illegal collection harassment.