- Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
- Is a debt collector demanding payment without providing proof that the debt is valid?
- If so, we’ll take immediate action to stop the harassing calls!
- You could be eligible for up to $1,000 in statutory damages.
- Remember, you won’t be responsible for any legal fees.
Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.
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Berks Credit & Collections Phone Harassment?
Is Berks Credit & Collections (BC&C) calling you? You can stop Berks Credit & Collections phone harassment. Have they threatened to take legal action or garnish your wages? Do the calls come at all hours or several times a day? Have they told your family or neighbors that you owe a debt? If so, what they’re doing is illegal—and it needs to stop.

You have the legal right to put an end to BC&C phone harassment. The Fair Debt Collection Practices Act (FDCPA) prohibits harassing behavior and intimidation by debt collectors. When a collection agency violates the FDCPA, you may be eligible to receive up to $1,000 in statutory damages. You could also recover attorney fees and court costs due to their abuse.
Is Berks Credit & Collections a Scam?
According to the Better Business Bureau website, they have been in business for 30 years. There have been 33 complaints filed against BC&C with the BBB.
🔗Berks Credit & Collections Better Business Bureau
Who is Berks Credit & Collections?
Berks Credit & Collections is a third-party debt collector located in Reading, Pennsylvania. BC&C has been sued in Federal Court over 50 times for violations of unfair debt collection practices. Debtors have reported that BC&C’s actions often involve illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer, with few exceptions.
📌Address: 900 Corporate Drive, Reading, PA 19605
☎️Phone: (800) 448-8709
As a medical collections agency, BC&C offers services to healthcare providers to improve patient experience and revenue cycle solutions. BC&C is a debt collection agency that handles most debts, and consumers should verify the validity of the debt before deciding to pay.
Berks Credit & Collections is often referred to or searched for by other names. These include:
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Understanding one’s financial situation is crucial when dealing with debt collectors, as it can affect the ability to recover money and whether one should be represented by an attorney. There are restrictions on debt collectors’ actions, and finally, consumers can find relief by knowing their rights. Sharing your story can help others facing similar situations with debt collectors.
Berks Credit & Collections Collection Tactics
If Berks Credit & Collections engages in any of the following tactics, you may have a case:
- 👉Using profanity or engaging in abuse
- 👉Calling you before 8:00 a.m. or after 9:00 p.m.
- 👉Calling you multiple times per week, constituting harassing behavior
- 👉Talking to others about your debt
- 👉Calling your workplace
- 👉Threatening to sue you, harm you, or use intimidation to 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
Berks Credit & Collections Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
☎️800-448-8709, ☎️610-916-7301, ☎️888-932-6553, ☎️(800) 448-8709, ☎️(610) 916-7301, ☎️(888) 932-6553, ☎️8004488709, ☎️6109167301, ☎️8889326553,
If the answer is yes, then you are receiving calls from a known BC&C number. You may be a victim of BC&C phone harassment. The list above is not all the numbers that BC&C uses. The calls can be from a different number and it still be they calling you. Contact our office right away so we can start the process to stop BC&C from calling you illegally. Above all, no one should live with harassment!
Debt Collection Laws and Regulations
Debt collection laws and regulations are designed to protect consumers from unfair and harassing practices. The Fair Debt Collection Practices Act (FDCPA) is a federal law that governs how debt collectors must behave. It prohibits actions such as making false statements, using harassing or intimidating language, and engaging in unfair or deceptive practices.

In addition to the FDCPA, many states—including Pennsylvania—have their own debt collection laws that offer further protections. For example, Pennsylvania’s Fair Credit Extension Uniformity Act (FCEUA) forbids debt collectors from using unfair or deceptive methods. It also requires them to provide consumers with clear and accurate information.
Debt collection agencies, including Berks Credit & Collections, are required to comply with these federal and state laws. Failure to do so can result in penalties and fines.
Fair Debt Collection Practices
Fair debt collection practices are crucial to ensuring that consumers are treated fairly and respectfully throughout the debt collection process. The Fair Debt Collection Practices Act (FDCPA) provides clear guidelines that debt collectors must follow. These include verifying the debt, supplying accurate and transparent information, and refraining from harassing or intimidating behavior.
Collectors are also required to honor consumer rights, such as the ability to dispute a debt and to request validation. They are strictly prohibited from making false statements—like threatening legal action or arrest—or from using unfair or deceptive tactics, including charging excessive fees or interest.
When debt collectors adhere to these fair practices, they contribute to resolving debt issues in a respectful and lawful manner.
Resolving Debt Collection Issues
Resolving debt collection issues can be a challenging and stressful experience for consumers. Fortunately, there are several practical steps individuals can take to manage the process. These include disputing the debt, requesting validation, and negotiating a payment plan with the collector.
Consumers may also benefit from working with a debt relief attorney or a credit counseling agency. These professionals can offer guidance and support in navigating complex debt situations. It’s equally important to maintain detailed records of all interactions with debt collectors—whether through phone calls, letters, or emails.
Taking these actions helps protect consumer rights and promotes fair, respectful resolution of debt issues. If a debt collector engages in unfair or deceptive practices, consumers have the option to file a complaint with the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB).
Debt Collection and Credit Scores
Debt collection can have a significant impact on credit scores. Unpaid debts may be reported to credit reporting agencies and can stay on a consumer’s credit report for up to seven years. However, there are ways to reduce the negative effects on your credit.

Consumers can take proactive steps such as paying off the debt, disputing inaccurate information, or negotiating a payment plan with the collector. Working with a credit counseling agency or a debt relief attorney can also be helpful in resolving these issues and improving credit scores.
Regularly monitoring your credit reports is essential to ensure they are accurate and up-to-date. This helps you catch and address errors early. Additionally, seeking help from a reputable credit repair company may offer further support in improving your credit and resolving collection accounts.
By taking these actions, consumers can protect their credit and resolve debt collection issues in a fair and respectful way.
Common Questions
No, Berks Credit & Collections has been in business for 30 years.
- Can Berks Credit & Collections garnish my wages❓
Yes, BC&C can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Yes, BC&C can sue you so long as the debt is within the statute of limitations. If they win the lawsuit, you may be responsible for paying the debt, attorney fees, and court costs.
- Can BC&C report my debt to the collections bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report.
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 list of complaints filed against Berks Credit & Collections in the past year and can be found on Pacer.org.
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 Berks Credit & Collections harassment. 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 them, call us at (877)700-5790 fohrr immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody who has been harassed! They were very professional and straightforward about my rights. I finally feel at peace.”
“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. The harassment calls stopped, and I was even compensated. I would recommend this company to anyone going through this type of harassment. A very satisfied customer with a positive story to share.”
“Because of a lie from a third-party debt collector that threatened me financially, I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable, and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
🔗https://consumer.ftc.gov/articles/debt-collection-faqs
🔗Pennsylvania Attorney General
🔗Attorney Derek DePetrillo
Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and gained admission to practice law in the State of Massachusetts that same year. Additionally, he holds licenses to practice in numerous federal jurisdictions across the United States.
Mr. DePetrillo has been helping consumers with consumer protection matters since 2010. His primary focus lies in enforcing the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), and the Fair Credit Reporting Act (FCRA). Over the years, he has filed numerous lawsuits and arbitration claims against debt collectors and financial institutions.
Dedicated to fighting for individuals whose rights have been violated, Mr. DePetrillo provides support and guidance to those navigating the stressful challenges of debt collection. He is committed to standing up for the everyday consumer who needs a strong advocate on their side.