🚨Bonneville Collections Debt Collection Harassment
Tired of Bonneville Collections Debt Collection Harassment? Wish there was a way to make the calls stop? Is Bonneville Collection constantly calling and harassing you? Does your phone ring every day, several times per day, because Bonneville Collection Agency is calling you to demand payment? Threatening you with legal action? Has Bonneville Billing and 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.
There are strategies you can use to beat Bonneville Collections Utah in court and handle their aggressive debt collection tactics.
The Fair Debt Collection Practices Act (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 Legit?
According to the Better Business Bureau website, Bonneville Collections is a debt collection agency that has been in business since 1980. Debt collection agencies like Bonneville Debt 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.
🔍What is Bonneville Collections?
Bonneville Collections Utah 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 Collection Agency used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
When Bonneville Debt 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. By understanding your rights and taking specific actions, you can beat Bonneville Billing and Collections and stop their harassing tactics.
Address: 6026 Fashion Point Dr Ogden, UT 84403 Phone: (801) 621-7880 Fax: (801) 393-5808
🎯Bonneville Collections Debt Collection Harassment Tactics
If Bonneville Collections engages in any of the following tactics, you may have a case:
- 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
- Talking to others about your debt
- Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
- Use any profane language or any language that is harassing and abusive
- Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
- Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment
- Threaten arrest or criminal prosecution
- Send false information to the credit bureaus
- Cause a telephone to ring an unreasonable amount of times
The Fair Credit Reporting Act (FCRA) 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 debt collection harassment. The list above is not all the numbers that Bonneville Collection uses. Also, calls can be from a different numbers and it still be Bonneville Debt Collection calling you. Contact our office right away so we can start the process to stop Bonneville Debt Collection Agency 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 Collection a scam?
No, Bonneville Debt Collections has been in business since 1980.
Can Bonneville Collection Agency seize my property?
Bonneville Debt 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 Billing & Collections sue me?
Yes, Bonneville Collections can sue you so long as the debt is within the statute of limitations.
Can Bonneville Billing & Collections Inc report my debt to the collections bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report
Can Bonneville Collection Agency 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 Bonneville Collections complaints and can be found on Pacer.gov.
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.
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.
🏆Success Stories
“I was at my wit’s end with Bonneville Collections. They were calling me multiple times a day, even after I explained the debt wasn’t mine. The stress was unbelievable. I contacted Consumer Rights Law Firm PLLC, and they immediately took control. They sent Bonneville a cease and desist letter, and the calls stopped almost instantly. It was such a relief to finally have peace. They were professional, understanding, and explained the process clearly. I highly recommend them if you’re facing similar harassment.”
“Bonneville Collections was not only calling constantly, but they were also threatening to damage my credit score with false information. I knew this wasn’t right, so I reached out to Consumer Rights Law Firm PLLC. They were incredibly knowledgeable about the Fair Debt Collection Practices Act (FDCPA). They investigated my case and found Bonneville was indeed violating my rights. Thanks to their intervention and legal expertise, the threats stopped, and they helped ensure my credit report remained accurate. I’m so grateful for their help in protecting me from these aggressive tactics.”
“I hesitated to contact a lawyer, but Bonneville Collections’ harassment became unbearable. They were calling my family members and discussing my debt with them, which is illegal. Consumer Rights Law Firm PLLC was a godsend. They took the time to understand the full extent of the harassment I was experiencing. They not only stopped the calls and illegal communication but also helped me pursue legal action against Bonneville for their violations. I felt empowered knowing I had someone fighting for my rights. I highly recommend this firm if you want to hold debt collectors accountable for their abusive behavior.”
🛡Resolving Your Debt with Bonneville Collections
If you’re struggling to pay your debt, it’s essential to communicate with Bonneville Collection Agency 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 Bonneville Collections 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:
- Understand the amount you owe and the creditor’s name
- Have a clear idea of what you can afford to pay
- Are prepared to provide financial documentation to support your offer
- 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.
🧾Debt Validation and Verification
Debt validation and verification are crucial steps in dealing with debt collectors like Bonneville Collections. When a debt collector contacts you, they are required by federal law to provide you with a debt validation letter. This letter should include the following information:
- The amount of the debt
- The name of the creditor
- A statement that unless you dispute the debt within 30 days, it will be assumed to be valid
If you receive a debt validation letter from Bonneville Collection Agency, it’s essential to review it carefully and verify the information. You can request additional documentation, such as the original contract or agreement, to ensure that the debt is valid and accurate.
If you dispute the debt, you should send a debt validation letter to Bonneville Billing and Collections within 30 days of receiving the initial letter. This letter should include your name, address, and account number, as well as a clear statement disputing the debt. By taking these steps, you can ensure that you are not being unfairly pursued for a debt that may not be yours or may be inaccurately represented.
📄Credit Reporting and Removal
Bonneville Collection may report your debt to the credit bureaus, which can negatively impact your credit score. However, you have the right to dispute any errors or inaccuracies on your credit report.
If you find an error on your credit report related to Bonneville Billing & Collections, you should contact the credit bureau and dispute the error. You can also contact Bonneville Debt Collections directly and request that they remove the error from your credit report.
In some cases, you may be able to negotiate with Bonneville Collection Agency to remove the debt from your credit report in exchange for payment. However, this should be done in writing, and you should ensure that the agreement is clear and binding. By addressing these issues promptly, you can protect your credit score and ensure that your credit report accurately reflects your financial situation.
📝Bonneville Collections Lawsuit and Wage Garnishment
If Bonneville Collections is unable to collect the debt through phone calls and letters, they may file a lawsuit against you. If they obtain a default judgment, they may be able to garnish your wages or seize your assets.
However, you have the right to defend yourself against a lawsuit, and you should seek legal assistance if you receive a summons or complaint. You can also try to negotiate a settlement with Bonneville Billing and Collections before the lawsuit is filed.
It’s essential to understand your rights and options when dealing with debt collectors like Bonneville Collections. You should not ignore the lawsuit or fail to respond, as this can result in a default judgment. By being proactive and seeking legal advice, you can better navigate the legal process and protect your financial interests.
💡Getting Help and Support
Dealing with debt collectors like Bonneville Billing & Collections can be stressful and overwhelming. However, there are resources available to help you navigate the process and protect your rights.
⚖️Resources for Legal Assistance
If you need legal assistance, you can contact a consumer rights attorney or a non-profit credit counseling agency. These organizations can provide you with free or low-cost advice and representation.
Some resources for legal assistance include:
- National Foundation for Credit Counseling (NFCC)
- Financial Counseling Association of America (FCAA)
- National Association of Consumer Advocates (NACA)
- American Bar Association (ABA) – Consumer Law Section
You can also contact your state’s Attorney General’s office or the Federal Trade Commission (FTC) for assistance with debt collection issues.
Remember, you have the right to defend yourself against debt collectors like Bonneville Collections. Don’t be afraid to seek help and support when you need it. By leveraging these resources, you can take control of your situation and ensure that your rights are protected.
