Bloom & Associates Debt Collection Harassment?
Is Bloom & Associates (B&A) calling you? Stop Bloom & 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? Many consumers have filed complaints against debt collectors for violating the FDCPA, citing issues such as harassment and improper documentation. If so what they are doing is illegal and needs to stop. You have the legal right to stop B&A phone harassment. 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. Additionally, victims of harassment may pursue lawsuits for money damages, which can include both punitive and compensatory damages awarded by a jury.
Introduction to Debt Collection Issues
Debt collection issues can be a significant source of stress and anxiety for individuals and businesses alike. Consumers often find themselves disputing the same debt multiple times. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of debt collectors, including collection agencies and law firms. The FDCPA prohibits debt collectors from using abusive, deceptive, or unfair practices to collect debts, including making unwanted phone calls, using threatening language, and making false or misleading statements. Understanding your rights under the FDCPA can help you navigate these challenging situations and protect yourself from unfair debt collection practices, especially when the validity of the debts is disputed.
Understanding Debt Collection Harassment
Debt collection harassment is a serious issue that can have significant consequences for individuals and businesses. Litigation can be a recourse for victims of harassment, providing a legal pathway to address and resolve such grievances. Debt collectors may use various tactics to collect debts, including phone calls, letters, and emails. However, if these tactics become abusive or harassing, individuals and businesses may be able to take legal action against the debt collector. The FDCPA provides individuals and businesses with protections against debt collection harassment, including the right to dispute debts, request verification of debts, and seek damages for violations of the FDCPA. If you feel overwhelmed by the actions of a debt collector, knowing your rights can be the first step towards reclaiming your peace of mind.
Is Bloom & Associates a Scam?
According to the Better Business Bureau website, Bloom & Associates has been in business for 22 years.
Bloom & Associates Better Business Bureau
Who is Bloom & Associates?
Mitchell D. Bluhm & Associates is a third-party debt collector located in Towson, Maryland.
There have been numerous complaints against debt collectors attempting to collect on medical bills linked to CF Medical, LLC, highlighting issues of unauthorized charges and negative impacts on credit scores. Many consumers report receiving harassing calls and collection notices from Mitchell D. Bluhm & Associates regarding alleged hospital bills, often leading to frustration and confusion over debts they believe were previously covered by insurance or that they do not owe. Issues with insurance companies often result in debt collection by Bloom & Associates, exacerbating the emotional distress caused by aggressive collections tactics.
Address: 1220A E Joppa Rd STE 223
Towson, MD 21286-5817
Phone: (443) 632-9096
Company Background and Associations
Bloom & Associates is a collection agency that has been in business for 22 years. Some consumers feel the firm acts in ‘bad faith’ during debt collection. The company is listed on the Better Business Bureau (BBB) website and has a reputation for being a reputable collection agency. However, like any collection agency, Bloom & Associates may engage in debt collection practices that are considered harassing or abusive. Individuals and businesses who are being contacted by Bloom & Associates should be aware of their rights under the FDCPA and take steps to protect themselves from debt collection harassment. Staying informed and vigilant can help you handle any interactions with debt collectors more effectively, especially when it comes to the debts you are owed.
Bloom & Associates Collection Tactics
If Bloom & Associates engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- 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
- Using tactics that make you feel forced or coerced into making payments
- Sending a collection notice that prompts confusion or disputes over the validity of the debt
- Engaging in behavior that leads to consumers claiming harassment due to their collection tactics
Bloom & Associates Phone Numbers
Are you being called and receiving harassing phone calls from any of the following numbers?
(443) 632-9096
If the answer is yes, then you are receiving calls from a known B&A number. You may be a victim of B&A phone harassment. The list above is not all the numbers that B&A uses. The calls can be from a different number and it still be Bloom & Associates calling you. Contact our office right away so we can start the process to stop B&A from calling you illegally. Above all, no one should live with harassment!
Protecting Your Credit Report
Protecting your credit report is an essential step in maintaining good credit and avoiding debt collection harassment. Individuals and businesses should regularly review their credit reports to ensure that they are accurate and up-to-date. If an individual or business discovers an error or inaccuracy on their credit report, they should dispute it with the credit bureaus and provide documentation to support their claim. The Fair Credit Reporting Act (FCRA) provides individuals and businesses with protections against inaccurate or misleading credit reporting, including the right to dispute errors and seek damages for violations of the FCRA. Credit agencies play a crucial role in maintaining accurate credit reports, and understanding your rights when dealing with these agencies is vital. By taking proactive steps to monitor and protect your credit report, you can safeguard your financial health and prevent potential issues with debt collectors.
Stopping Debt Collector Harassment
Debt collector harassment can be a stressful and overwhelming experience, but there are practical steps you can take to end the harassment. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of debt collectors and provides consumers with protection from abusive and harassing debt collection practices. If you are being harassed by a debt collector, you can stop the harassment by sending a cease and desist letter to the debt collector, which instructs them to stop contacting you. You can also report the debt collector to the Federal Trade Commission (FTC) or the Better Business Bureau (BBB) for violating the FDCPA.
Practical Steps to End Harassment
To stop debt collector harassment, you can take the following practical steps:
- Verify the debt: Make sure the debt is valid and you owe the amount the debt collector claims.
- Send a cease and desist letter: Send a letter to the debt collector instructing them to stop contacting you.
- Report the debt collector: Report the debt collector to the FTC or BBB for violating the FDCPA.
- Seek help from a law firm: Consult with a law firm that specializes in consumer law and debt collection harassment.
- Check your credit report: Check your credit report to ensure the debt is not being reported incorrectly.
Seeking Help and Relief
If you are a victim of debt collector harassment, there are resources and support available to help you. You can seek help from a law firm that specializes in consumer law and debt collection harassment. A law firm can help you understand your rights under the FDCPA and take legal action against the debt collector if necessary.
Resources and Support for Victims
Some resources and support available to victims of debt collector harassment include:
- National Foundation for Credit Counseling: A non-profit organization that provides financial education and credit counseling.
- Federal Trade Commission (FTC): A government agency that regulates debt collectors and provides consumer protection.
- Better Business Bureau (BBB): A non-profit organization that provides consumer protection and dispute resolution.
- Credit Karma: A website that provides free credit scores and credit monitoring.
- Law firms that specialize in consumer law: Law firms that specialize in debt collection harassment and consumer law can provide legal representation and support.
Taking Action Against Harassment
If you are a victim of debt collector harassment, you can take legal and personal actions to stop the harassment. You can file a complaint with the FTC or BBB, or seek help from a law firm that specializes in consumer law. You can also take personal actions such as sending a cease and desist letter to the debt collector or checking your credit report to ensure the debt is not being reported incorrectly.
Common Questions
Is B&A a scam? No, Bloom & Associates has been in business for 22 years.
Can B&A garnish my wages? Yes, B&A can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can B&A sue me? Yes, B&A can sue you so long as the debt is within the statute of limitations. If you decide to take legal action, you would be the plaintiff in a lawsuit against Bloom & Associates.
Can B&A report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report.
Can B&A arrest me? 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.
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 would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
For example, one client successfully resolved a complex sexual harassment claim involving a law firm, highlighting the firm’s expertise in handling sensitive cases.
Many victims of debt collection harassment have found relief and justice through our services.
“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 and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“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, and I was paid financial relief. THANK YOU SO MUCH!!”
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