Bonded Collection Corp Phone Harassment?
If Bonded Collection Corporation keeps calling you, leaves repeated voicemails, threatens legal action, or contacts people around you about a debt, it can feel stressful and intimidating. Many consumers don’t realize that federal law strictly limits what debt collectors are allowed to do — and in many cases, these calls cross the line.
If Bonded Collection Corporation is harassing you, you have legal options to make the calls stop and hold them accountable.
Who is Bonded Collection Corporation?
Bonded Collection Corporation is a legitimate third-party debt collection agency based in Des Plaines, Illinois. Founded in 1943 and operating for more than 80 years, and provides debt recovery services to businesses, including international collections, contingent collection services, and account dispute resolution.
Address: 2400 E. Devon Ave., Suite 257, Des Plaines, IL 60018-4619
Main Phone: (800) 326-6333 / (312) 279-8300
Even though its is a real company, many consumers have filed complaints about aggressive tactics, excessive calls, or intimidating language, especially when details about the debt aren’t clearly explained or verified.
Recognizing Illegal Debt Collection Harassment
Debt collectors, including Bonded Collection Corporation must comply with federal laws, especially the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws prohibit unfair, abusive, or deceptive practices.
Signs You May Be Experiencing Harassment
Debt collection may cross the legal line when collectors:
Call many times per day, including early morning or late at night.
Threaten legal action, wage garnishment, or arrest before they actually have legal grounds.
Contact your family, friends, neighbors, or employer about your debt.
Use abusive, profane, or threatening language.
Fail to give a written validation notice after first contacting you.
Under the FDCPA, collectors may only call between 8 a.m. and 9 p.m. local time, and must stop contacting you once you send a written cease-and-desist letter.
Legal Protections You Have
1. Your Rights Under FDCPA
The FDCPA protects consumers from:
Harassment and abusive behavior
False or misleading representations
Contacting third parties about your debt
Calling outside legal hours
Attempts to deceive or intimidate you
If they violate these rules, you might be entitled to up to $1,000 in statutory damages plus attorney’s fees and costs.
2. Debt Validation
Within 5 days of first contact, collectors must send you a written notice detailing:
The amount owed
The creditor’s name
Your right to dispute the debt
If it fails to validate the debt in writing, they may be breaking the law.
Do Complaints or Lawsuits Exist Against Them?
Bonded Collection Corporation has been named in multiple FDCPA lawsuits over the years, although not all cases result in large judgments. One example reported includes Maniaci v. Bonded Collection Corporation, a federal class action claiming FDCPA violations related to allegedly misleading collection letters.
While many collections cases are settled confidentially or dismissed, the mere presence of complaints and litigation history signals that some consumers have challenged their practices.
What You Should Do If You’re Contacted by BCC
Step 1 — Document Everything
Keep detailed records of:
Dates and times of calls
Phone numbers used
Names of callers (if provided)
What was said (especially threats or misleading claims)
Copies of letters, emails, or texts
This documentation can be crucial evidence if you file a complaint or lawsuit.
Step 2 — Verify the Debt
Ask them to validate the debt in writing. Do not agree to payments or provide personal or financial information until you have proof of:
Who owns the debt
When it was incurred
Your balance and any interest or fees
If they refuse, this can be a violation of your rights under the FDCPA.
Step 3 — Send a Cease-and-Desist Letter
A written cease-and-desist letter sent by certified mail instructs them to stop contacting you. Once received, they must comply — except to inform you of legal action. This is a powerful tool to legally halt harassment.
Step 4 — File Complaints
You can file complaints with:
Your state Attorney General’s office
These agencies investigate debt collectors and can take action when patterns of abuse are found.
Can they Sue You or Garnish Your Wages?
Yes — but only under legal conditions:
They must sue and obtain a court judgment before garnishing wages (unless it’s certain types of federal student loan debts).
If the debt is past your state’s statute of limitations, they generally cannot sue you.
(It’s important to check your state’s laws and consult legal help.)
Every state has different time limits, and recent court decisions confirm that the clock starts when an FDCPA violation occurs, not when you discover it.
Impact on Your Credit Score
A collections account reported by them can lower your credit score, making it harder to get loans or credit approvals. However, you can dispute inaccuracies or work with professionals to improve your credit profile.
When to Consult a Lawyer
If they:
Continues harassing you
Contacts third parties inappropriately
Threatens legal action without evidence
Violates the FDCPA or FCRA
…then you should consider speaking with a consumer protection attorney. Lawyers can:
Review your case
Send legal notices
File lawsuits
Pursue damages on your behalf
Even if the debt is valid, a lawyer can ensure your rights are protected.
Complaints Against Bonded Collection Corp
The following is a sample list of complaints filed against Bonded Collection Corp in the past and can be found on Pacer.gov.
- 3:09-cv-04856-EDL Ruffalo v. Bonded Collection Corp
- 4:09-cv-05044-PJH Unson v. Bonded Collection Corp
- 3:06-cv-01144-NLS Maniglia v. Bonded Collection
- 1:10-cv-02822-ZLW-MEH Orrick v. Bonded Collection Corp
- 1:06-cv-01709-PSF-BNB Moss v. Bonded Collection Corp
Conclusion
Bonded Collection Corporation is a legitimate debt collection agency, but that doesn’t mean every contact from them is lawful. You have strong federal protections under the FDCPA and FCRA. By understanding your rights, documenting interactions, and taking strategic legal steps, you can significantly reduce or stop unwanted calls and protect your financial well-being
FAQs
Q: Is Bonded Collection Corp a legitimate debt collection agency or a scam?
A: It’s is a legitimate debt collection agency with over 76 years in business and listed on the Better Business Bureau.
Q: Can Bonded Collection Corp harass me with repeated or early/late phone calls?
A: No, repeated or odd-hour calls may violate FDCPA laws, and you have the right to stop such harassment.
Q: Can Bonded Collection Corp garnish my wages?
A: Yes, but only after obtaining a court judgment or if it’s a federal student loan.
Q: What are my rights if Bonded Collection Corp contacts my family or neighbors?
A: If they disclose debt details to others, they may be violating your FDCPA rights and can be legally challenged.
Q: What should I do if I receive a call from BCC’s known phone numbers?
A: Document the calls, verify the debt, and consult legal assistance to stop harassment and protect your rights.
Q: Can they report my debt to credit bureaus?
A: Yes, if the debt is valid, but you can dispute inaccurate information to protect your credit score.
Q: Can Bonded Collection Corp sue me over a debt?
A: Yes, they can sue if the debt is within the statute of limitations in your state.
Q: Can I get Bonded Collection Corp removed from my credit report?
A: Yes, through dispute of inaccurate debt or negotiation and resolution with the agency, errors may be removed.
Q: What legal protections do I have against Bonded Collection Corp practices?
A: FDCPA and FCRA protect you from harassment, misrepresentation, and unauthorized credit reporting or collection actions.
Q: How can I stop Bonded Collection Corp from harassing me?
A: Verify the debt, send a cease-and-desist letter, document calls, and contact a legal professional for immediate help.
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 Bonded Collection Corp 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 Bonded Collection Corp. Call us at 📲855-385-8182 for immediate assistance or visit our website at Consumer Rights Law Firm, PLLC.
Contact the Illinois Attorney General now:
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