Berks Credit & Collections Phone Harassment?
If Berks Credit & Collections (BC&C) keeps calling you, threatening legal action, or contacting people around you, you’re not alone. Many consumers report repeated calls, aggressive language, and pressure tactics that cross legal lines.
The good news: U.S. law strictly limits what debt collectors can do, and harassment is not allowed—even if the debt is real.
This guide explains what’s legal, what’s not, and what you can do right now to protect yourself.
Who Is Berks Credit & Collections?
Berks Credit & Collections is a third-party debt collection agency based in Reading, Pennsylvania. The company commonly collects medical and consumer debts on behalf of healthcare providers and other creditors.
Company details (publicly available):
| Detail | Information |
|---|---|
| Company Name | Berks Credit & Collections, Inc. |
| Location | Reading, Pennsylvania |
| Reported Role | Third-party debt collector |
| Common Debt Types | Medical & consumer accounts |
Being a legitimate company does not give a collector the right to harass, threaten, or mislead you.
Berks Credit & Collections Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- ☎️800-448-8709, (800) 448-8709, 8004488709
- ☎️610-916-7301, (610) 916-7301, 6109167301
- ☎️888-932-6553, (888) 932-6553, 8889326553
Is Berks Credit & Collections a Scam?
No. Berks Credit & Collections is a real, operating collection agency. However, legitimacy does not equal compliance.
🔗 Berks Credit & Collections Better Business Bureau
Public consumer records show:
Dozens of complaints filed with the Better Business Bureau
Multiple federal court cases involving alleged FDCPA violations
Ongoing consumer reports of aggressive communication tactics
What matters is how they contact you, not whether they exist.
Common Berks Credit & Collections Harassment Signs
| Collector Action | Allowed Under Law? |
|---|---|
| Calling you early in the morning or late at night | Not allowed |
| Dialing your number over and over to wear you down | Not allowed |
| Claiming they will sue when no lawsuit exists | Not allowed |
| Telling relatives, neighbors, or coworkers about your debt | Not allowed |
| Speaking aggressively, using insults, or intimidation | Not allowed |
| Ignoring your request for written proof of the debt | Not allowed |
| Contacting you at your job after you’ve objected | Not allowed |
What the Law Says About Debt Collection Harassment
Federal Protection: FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that:
Prohibits harassment, threats, and deception
Requires collectors to verify debts upon request
Allows consumers to sue for violations
Potential compensation:
Up to $1,000 in statutory damages
Attorney fees and court costs paid by the collector (in many cases)
Pennsylvania-Specific Protection
In addition to federal law, Pennsylvania consumers are protected under:
| Law | What It Does |
|---|---|
| FCEUA | Prohibits unfair or deceptive collection practices |
| State AG Authority | Can investigate and enforce violations |
Collectors must follow both federal and state rules.
What You Should Do If BC&C Is Harassing You
| Step | What to Do |
|---|---|
| 1 | Do not admit the debt over the phone |
| 2 | Request written debt validation |
| 3 | Keep call logs, voicemails, and messages |
| 4 | Tell them (in writing) to stop contacting you |
| 5 | File complaints with authorities |
| 6 | Speak with a consumer rights attorney |
Where to File Complaints Against Berks Credit & Collections
Filing complaints helps protect you and builds a public record.
| Authority | Purpose |
|---|---|
| FTC | Tracks illegal debt collection practices |
| CFPB | Investigates consumer financial complaints |
| Pennsylvania Attorney General | Enforces state consumer laws |
| BBB | Identifies patterns (not enforcement) |
These agencies do not charge consumers to file complaints.
Can Berks Credit & Collections Sue or Garnish Wages?
Yes—but only under specific conditions.
| Claim | Reality |
|---|---|
| “We’ll garnish your wages immediately” | Not without a court judgment |
| “You’ll be arrested” | Illegal threat |
| “You must pay today” | False urgency |
| “We filed a lawsuit” | Must be verifiable |
If a collector lies about legal action, it’s often an FDCPA violation.
Will Berks Credit & Collections Hurt Your Credit Score?
A collection account can affect your credit, but:
Errors can be disputed
Invalid debts must be removed
Paid or settled debts don’t always improve scores
Always verify the debt before paying.
Complaints Against Berks Credit
The following is a sample list of complaints filed against Berks Credit & Collections in the past year and can be found.
- ➡️1:13-cv-01590-SEB-DKL Glasco v. Berks Credit & Collections
- ➡️1:17-cv-00158-MJG Taylor v. Berks Credit & Collections
- ➡️3:10-cv-01138-JMM Irwin v. Berks Credit & Collections
- ➡️5:17-cv-03290-JFL Smith v. Berks Credit & Collections
- ➡️3:10-cv-00250-TJC-TEM Phan v. Berks Credit & Collections
FAQs
Q1: Is Berks Credit & Collections phone harassment illegal?
A1: Yes, under the FDCPA, any harassing or threatening phone calls from Berks Credit & Collections are considered illegal practices.
Q2: What is the Fair Debt Collection Practices Act (FDCPA)?
A2: The FDCPA is a federal law protecting consumers from harassment, threats, and unfair behavior by debt collection agencies like BC&C.
Q3: Can Berks Credit & Collections sue or garnish wages?
A3: Yes, they can sue or garnish wages if they obtain a legal judgment and the debt is within the statute of limitations.
Q4: Is Berks Credit & Collections a scam company?
A4: No, BC&C is a legitimate debt collection agency in business for 30 years, though often accused of harassing practices.
Q5: What are common harassment tactics used by BC&C?
A5: These include repeated calls, profanity, threats, workplace calls, false accusations, and contacting others about your debt.
Q6: How can I stop Berks Credit & Collections from calling?
A6: You can contact a consumer rights attorney to file a complaint under the FDCPA and request legal action to stop calls.
Q7: What phone numbers does Berks Credit & Collections use?
A7: They use numbers like 800-448-8709, 610-916-7301, and 888-932-6553, but may also use others not listed publicly.
Q8: Can BC&C affect my credit score?
A8: Yes, collection accounts from BC&C can be reported to credit bureaus and negatively impact your credit for up to 7 years.
Q9: What rights do consumers have against debt collectors?
A9: Consumers can dispute debts, request validation, and sue collectors for FDCPA violations with potential damages up to $1,000.
Q10: Who can help me stop BC&C harassment?
A10: Consumer Rights Law Firm can help stop harassment, file lawsuits, and protect your rights under FDCPA, FCRA, and TCPA laws.
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 for immediate assistance or visit our website now.
Success Stories
“I had a medical collections company calling my number, looking for someone I had never heard of. They kept calling, even tho I told them they had the wrong number. Consumer Rights Law Firm took my case & got them to stop calling, plus they got a monetary settlement for me. I am so appreciative of the help they gave me – Teresa T”
“Mike was nice, informative, and jumped on the case A.S.A.P. Thank you, consumer rights law firm, for speaking up for me when I thought I did not have a voice. The scariest thing to hear from someone is for them to threaten to garnish your wages, and you are barely making ends meet. Once again, thanks for all your help. – Raven Hooker”
“I highly recommend this firm! They stayed on top of the case and myself. I’m sure they had a lot of cases but always treated me as a priority and I truly appreciate that!!! – Sylvester Boyd”
