Understanding Your Rights
As a consumer, it’s essential to understand your rights when dealing with debt collectors like Bonneville Collections. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates debt collection practices and provides protections for consumers. This means that debt collectors must follow specific rules and guidelines when attempting to collect a debt. Knowing your rights can help you recognize when a debt collection agency is crossing the line and empower you to take action against any unfair practices.
Know Your Legal Protections
The FDCPA prohibits debt collectors from engaging in abusive, harassing, or deceptive practices. Some of the key protections include:
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Debt collectors cannot contact you at inconvenient times or places, such as before 8 am or after 9 pm.
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Debt collectors cannot contact you at work if you’ve told them not to.
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Debt collectors cannot use profanity, threats, or insults when communicating with you.
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Debt collectors must provide you with written validation of the debt, including the amount owed and the creditor’s name.
These protections are in place to ensure that debt collection practices are fair and respectful. If a debt collector violates these rules, you have the right to report them and seek legal recourse.
How to Document Harassment
If you believe Bonneville Collections is harassing you, it’s crucial to document the incidents. Keep a record of:
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Dates and times of phone calls or letters
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The name of the debt collector and their contact information
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A summary of the conversation or letter
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Any threats or abusive language used
This documentation can be useful if you need to file a complaint with the Federal Trade Commission (FTC) or take legal action against the debt collector. Detailed records will support your case and help you demonstrate the extent of the harassment.
Bonneville Collections Debt Collection Harassment
Tired of Bonneville Collections Debt Collection Harassment? Wish there was a way to make the calls stop? Is Bonneville Collections constantly calling and harassing you? Does your phone ring every day, several times per day, because Bonneville Collections is calling you to demand payment? Threatening you with legal action? Has Bonneville Collections ever used abusive or profane language when speaking with you on the phone? If so, Bonneville Collections may be violating your legal rights. Stop the harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
A default judgment can occur in debt collection lawsuits when consumers are not properly notified of the legal action against them. This can lead to severe consequences such as garnishments or demands for payment without the consumer’s knowledge.
Is Bonneville Collections a scam?
According to the Better Business Bureau website, Bonneville Collections has been in business since 1980. Debt collection agencies like Bonneville Collections buy debt from creditors who have given up on collecting it themselves, often referring to this process as a ‘charge-off.’ There have been 41 complaints closed in the last 3 years and 19 complaints closed out in the last 12 months.
Bonneville Collections Better Business Bureau
Who is Bonneville Collections?
Bonneville Collections is third party debt collector located in South Ogden, Utah. They have been sued in federal court several times for violating consumer’s rights while collecting on alleged debts. A recent Federal Court cases alleges that Bonneville Collections used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
When Bonneville Collections contacts you regarding debt, it is important to stay calm and take specific actions, such as sending a Debt Validation Letter, to manage the situation effectively and avoid legal issues.
Address: 6026 Fashion Point Dr Ogden, UT 84403 Phone: (801) 621-7880 Fax: (801) 393-5808
Bonneville Collections is often referred to or searched for by other names. These include:
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Bonneville Collections Debt Collection Harassment Tactics
If Bonneville Collections engages in any of the following tactics, you may have a case:
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Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
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Talking to others about your debt
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Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
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Use any profane language or any language that is harassing and abusive
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Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
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Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment
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Threaten arrest or criminal prosecution
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Send false information to the credit bureaus
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Cause a telephone to ring an unreasonable amount of times
The Fair Credit Reporting Act provides significant protections and powers to individuals, ensuring that consumers have rights when dealing with collections agencies. This act, along with the Fair Debt Collection Practices Act, is crucial in safeguarding against unfair practices.
Bonneville Collections Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
800-392-7569, 800-760-0860, 866-260-9222, 888-458-6753, 801-395-8866, 801-485-1005, 801-395-8834, 801-395-8880, 801-395-8815, 801-395-8885.
If so, you may be a victim of Bonneville Collections debt collection harassment. The list above is not all the numbers that Bonneville Collections uses. Also, calls can be from a different numbers and it still be Bonneville Collections calling you. Contact our office right away so we can start the process to stop Bonneville Collections from calling you illegally. Above all, no one should live with harassment.
When sending legal documents, it is crucial to use certified mail with a return receipt requested. This provides proof of delivery and ensures that the necessary paperwork is officially recognized as having been sent and received.
Common Questions:
Is Bonneville Collections a scam? No, Bonneville Collections has been in business since 1980.
Can Bonneville Collections seize my property? Bonneville Collections can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can Bonneville Collections sue me? Yes, Bonneville Collections can sue you so long as the debt is within the statute of limitations.
Can Bonneville Collections report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can Bonneville Collections 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.
The following is a sample list of complaints filed against Bonneville Collections and can be found on Pacer.org.
4:18-cv-02212 Buschel v. Bonneville Collections
9:18-cv-80402-DMM ISRAELSON v. BONNEVILLE COLLECTIONS
1:17-mc-00135 Unsworth v. Bonneville Billing and Collections
2:13-cv-00175-DN Dewild v. Transunion et al
2:10-cv-00847-CW Schneider-Wentland v. Bonneville Billing and Collections
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. Contact a legal professional to stop Bonneville Collections debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm, PLLC Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent even more Bonneville Collections debt collection harassment, call us at for immediate assistance or visit our website at www.consumerlawfirmcenter.com.
Success Stories
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued , it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately , they were able to put some money in my pocket as well , Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights”
“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 Agencies 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.”
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”
Check out a links below for more information:
Consumer Financial Protection Bureau
https://consumerlawfirmcenter.com/account-advocate-agency-debt-collection-harassment/
https://consumerlawfirmcenter.com/all-debt-solutions-debt-collection-harassment/
Resolving Your Debt with Bonneville Collections
If you’re struggling to pay your debt, it’s essential to communicate with Bonneville Collections and explore your options. Ignoring the problem won’t make it go away, and proactive communication can often lead to more favorable outcomes. Whether you’re looking to negotiate a settlement or set up a payment plan, understanding your options and being prepared can make a significant difference.
Negotiating a Settlement
Bonneville Collections may be willing to negotiate a settlement with you. This can involve paying a lump sum or setting up a payment plan. Before negotiating, make sure you:
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Understand the amount you owe and the creditor’s name
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Have a clear idea of what you can afford to pay
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Are prepared to provide financial documentation to support your offer
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Have a written agreement outlining the terms of the settlement
Remember to keep records of all communication with Bonneville Collections, including dates, times, and details of conversations. This will help you stay organized and provide evidence if any disputes arise in the future. By being informed and prepared, you can take control of the situation and work towards resolving your debt in a way that is manageable for you.
