Bloom & Associates Debt Collection Harassment?
Are you receiving repeated calls from Bloom & Associates (B&A) demanding payment? Are they threatening legal action, wage garnishment, or calling at all hours? If so, what they are doing may violate federal law, specifically the Fair Debt Collection Practices Act (FDCPA).
You have the legal right to stop debt collector harassment, and in some cases, you may be entitled to up to $1,000 in statutory damages plus attorney fees. This guide will help you understand your rights, recognize illegal collection tactics, and take actionable steps to protect yourself and your credit.
Who Is Bloom & Associates?
Bloom & Associates (also known as Mitchell D. Bluhm & Associates) is a third-party debt collector based in Towson, Maryland, primarily handling medical and healthcare debts. While the company has been in business for 22 years and is listed on the BBB, some consumers report abusive collection tactics.
| Company Name | Type | Location | Years in Business | BBB Complaints | Notes |
|---|---|---|---|---|---|
| Bloom & Associates | Third-party debt collector | Towson, MD | 22 | 2 | Focused on medical/healthcare debts; reported harassment complaints |
Contact Information
- Address: 1220A E Joppa Rd STE 223, Towson, MD 21286-5817
- Phone: (443) 632-9096
Bloom & Associates Collection Tactics
Debt collectors like B&A may use aggressive or illegal tactics. Recognizing these behaviors is critical:
| Behavior | Legal? | Law Reference |
|---|---|---|
| Repeated calls to annoy | Illegal | FDCPA 15 U.S.C. §1692d |
| Threats of garnishment/arrest | Illegal | FDCPA 15 U.S.C. §1692e |
| Contacting coworkers/family | Illegal | FDCPA 15 U.S.C. §1692c(b) |
| Misrepresentation of debt amount | Illegal | FDCPA 15 U.S.C. §1692e(2)(A) |
| Using obscene language | Illegal | FDCPA 15 U.S.C. §1692d(2) |
| Calling before 8 a.m. or after 9 p.m. | Illegal | FDCPA 15 U.S.C. §1692c(a)(1) |
Bloom & Associates Phone Numbers
| Phone Number | Notes |
|---|---|
| (443) 632-9096 | Multiple harassment reports |
| (443) XXX-XXXX | Possible robocalls, verification attempts |
Tip: B&A may use different numbers for calls. Always document calls to identify harassment patterns.
Recent Updates & 2026 Trends
FTC & CFPB crackdowns: In 2025–2026, regulators have increased enforcement against abusive medical debt collection. B&A-like agencies may be investigated if they violate FDCPA rules.
State Attorney General oversight: Maryland and other states have active consumer protection units targeting debt collection abuses.
Robocall regulations: New federal rules limit repeated automated calls; violators can face fines or lawsuits.
Keeping informed about these trends strengthens your ability to challenge illegal calls.
Step-by-Step Action Plan to Stop Harassment
Verify the Debt
Request validation from B&A. Confirm the amount owed, original creditor, and account details.Send a Cease & Desist Letter
Use certified mail and request a return receipt. Once received, they may only contact you to confirm compliance or notify of legal action.Document Every Interaction
Keep a log of phone calls, emails, voicemails, and letters. Include dates, times, and content.Report Violations
File complaints with:Check Your Credit Reports
Ensure no inaccurate reporting from B&A. Dispute errors via Equifax, Experian, and TransUnion.Seek Legal Assistance
A consumer rights attorney can file claims under FDCPA, help recover damages, and stop harassment legally.
Protecting Your Credit & Financial Health
Even if you owe the debt, B&A cannot report false information or engage in illegal collection. Protect your credit by:
Monitoring reports monthly
Disputing inaccuracies promptly
Maintaining communication in writing
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 experienced attorneys specialize in consumer law and are dedicated to helping you stop harassment from debt collectors. Rather than suffer alone, contact our law offices to begin the process to stop the Bloom & Associates harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
It is crucial to discuss consumer rights and protections to ensure that individuals are aware of their legal options and can effectively combat debt harassment.
🔗 Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Bloom & Associates, call us at
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”
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FAQs
Q: Bloom & Associates Debt Collection Harassment?
A: Bloom & Associates may use harassing tactics. If they violate the FDCPA, you could recover damages and stop the calls.
Q: Who is Bloom & Associates?
A: Bloom & Associates, also known as Mitchell D. Bluhm & Associates, is a Maryland-based third-party debt collection agency.
Q: Is Bloom & Associates a scam?
A: No, they’ve been in business for over 22 years and are listed on the Better Business Bureau website.
Q: What are examples of debt collection harassment by B&A?
A: Examples include abusive language, calling your workplace, threatening lawsuits, calling late hours, or contacting friends and family.
Q: What rights do I have under the FDCPA?
A: FDCPA protects against harassment, allows debt disputes, and gives you legal options to recover damages from collectors.
Q: What should I do if B&A calls me repeatedly?
A: Document calls, send a cease-and-desist letter, report them to the FTC, and consult a consumer rights attorney.
Q: Can Bloom & Associates garnish my wages or sue me?
A: Yes, if they obtain a court judgment and the debt is valid, they can sue or garnish wages.
Q: Can Bloom & Associates affect my credit score?
A: Yes, they can report collections to credit bureaus, which may negatively impact your score if not addressed.
Q: What phone number does Bloom & Associates use?
A: Known number is (443) 632-9096, but they may use others to contact you for collection purposes.
Q: How can I stop B&A debt harassment legally?
A: You can send a cease letter, dispute the debt, track harassment, and seek help from a consumer protection lawyer.
