Bureau of Account Management Phone Harassment?
Is Bureau of Account Management (BAM) calling you? Stop Bureau of Account Management 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? If so, what they are doing is illegal and needs to stop. Debt collectors, also known as collection agencies, use various methods for collecting debts, including telephone calls, letters, and emails. You have the legal right to stop BAM 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.
It is crucial to contact experienced attorneys for guidance and support in navigating the complexities of debt collection laws and consumer rights.
Introduction to Debt Collection
Debt collection is the process of pursuing the payment of debts owed by individuals or businesses. Debt collectors, also known as collection agencies, use various methods to collect debts, including telephone calls, letters, and emails. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates debt collection practices and protects consumers from abusive debt collection practices. Understanding debt collection and the rights of consumers is essential in navigating the complex process of debt collection.
A debt collector must provide proof of the debt, like a bill, to resume collection activities after a dispute.
Is Bureau of Account Management a Scam?
According to the Better Business Bureau website, Bureau of Account Management has been in business for 22 years. There have been 7 complaints filed against BAM with the BBB.
Bureau of Account Management Better Business Bureau
Who is Bureau of Account Management?
Bureau of Account Management is third party debt collector located in Camp Hill, Pennsylvania. Consumers have the right to dispute any alleged debt and request validation from the collection agency. BAM has been sued in Federal Court several times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. If a violation is proven, not only can the individual be awarded damages, but the collector may also be liable for covering the legal fees and costs incurred during the lawsuit.
📍Address: 3607 Rosemont Ave Ste 501
➤ Camp Hill, PA 17011-6998
📱 Phone: (717) 214-3017
Bureau of Account Management is often referred to or searched for by other names. These include:
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Bureau of Account Management Collection Tactics
Bureau of Account Management is a collection agency that engages in account management practices to collect debts. The company uses various tactics, including telephone calls and letters, to contact consumers and collect debts. However, some consumers have reported that the company’s tactics are abusive and violate the FDCPA. Consumers who have been contacted by Bureau of Account Management should be aware of their rights and the prohibited debt collection practices under the FDCPA.
The Federal Trade Commission is a reliable source that offers detailed information about fair debt collection practices, emphasizing the importance of understanding your rights and protections when dealing with debt collectors.
Bureau of Account Management Collection Tactics
If Bureau of Account Management engages in any of the following tactics, you may have a case. These tactics are considered unfair and are prohibited under the FDCPA:
- ➡️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
For example, threatening wage garnishment without proper legal procedures is a prohibited behavior.
Bureau of Account Management Phone Numbers
717-214-3017, (717) 214-3017, 7172143017
If the answer is yes, then you are receiving calls from a known BAM number. You may be a victim of BAM phone harassment. In addition to phone calls, debt collectors may also contact you through mail. The list above is not all the numbers that BAM uses. The calls can be from a different number and it still be Bureau of Account Management calling you. Contact our office right away so we can start the process to stop BAM from calling you illegally. Above all, no one should live with harassment!
Role of a Collection Agency
A collection agency is a company that specializes in collecting debts on behalf of original creditors. Their role is to collect debts, but they must do so in a fair and respectful manner. Collection agencies must comply with the FDCPA and avoid using abusive language, making threats, or engaging in deceptive practices. If a collection agency violates the FDCPA, consumers can file complaints and seek damages. It is crucial to understand the role of a collection agency and their responsibilities under the law.
Debt Collection Process
The debt collection process typically begins when a creditor assigns or sells a debt to a collection agency. The collection agency will then attempt to contact the consumer to collect the debt. Debt collectors can use various methods, including telephone calls, mail, and email, to contact consumers. However, they must follow the guidelines set by the FDCPA and avoid engaging in abusive or deceptive practices. Consumers have the right to dispute the debt and request validation from the collector. If the collector fails to provide proof of the debt, they must cease collection activities.
Understanding Harassment by Debt Collectors
Harassment by debt collectors can take many forms, including excessive telephone calls, abusive language, and threats. Debt collectors are prohibited from using obscene or profane language, making threats of violence, or using deceptive practices to collect debts. Specific examples of unlawful debt collection practices include excessive communication, misrepresentation, and threats. Consumers who experience harassment by debt collectors should keep a record of the incidents, including dates, times, and details of the conversations. This information can be used to dispute the debt or file a complaint with the Better Business Bureau or a government agency.
Prohibited Debt Collection Practices
The FDCPA prohibits debt collectors from engaging in certain practices, including:
- ➢ Contacting consumers at inconvenient times or places
- ➢ Using abusive language or making threats
- ➢ Making false statements about the debt or the collection agency
- ➢ Failing to identify themselves as a debt collector
- ➢ Contacting consumers after being told to stop
- ➢ Using deceptive practices to collect debts
Certain illegal tactics by debt collectors, such as threatening wage garnishment without proper legal procedures, may provide grounds for a lawsuit.
Consumers who experience any of these prohibited practices should contact an attorney or file a complaint with the relevant authorities.
Consumer Rights and Protections
Consumers have several rights and protections under the FDCPA, including:
- 👉 The right to dispute the debt and request verification
- 👉 The right to stop debt collectors from contacting them
- 👉 The right to sue debt collectors for violating the FDCPA
- 👉 The right to seek additional information about the debt
Consumers may not have to pay any costs when seeking legal assistance for debt collection harassment.
Consumers should be aware of these rights and take action to protect themselves from abusive debt collection practices.
Seeking Help and Support
If you are being harassed by a debt collector, it is essential to seek help and support. You can contact a consumer protection attorney who specializes in debt collection cases. An attorney can help you understand your rights and options, and represent you in court if necessary. You can also file a complaint with the Better Business Bureau or a government agency, such as the Federal Trade Commission (FTC). Additionally, you can reach out to a non-profit credit counseling agency for assistance with debt management and credit repair.
Reporting Harassment
Consumers who experience harassment by debt collectors should report the incidents to the relevant authorities, including:
- ✅ The Better Business Bureau
- ✅ The Federal Trade Commission
- ✅ The
- ✅ The state Attorney General’s office
It is crucial to be able to prove violations of debt collection regulations, as establishing evidence in disputes can significantly impact the outcome of legal actions and any potential compensations awarded.
Consumers can also contact an attorney to discuss their options and seek legal advice. Keeping a record of the incidents and gathering evidence can help consumers build a strong case against the debt collector.
Conclusion and Next Steps
In conclusion, harassment by debt collectors is a serious issue that can cause significant harm to consumers. It is essential to understand your rights and seek help and support if you are being harassed. By knowing the role of a collection agency, the debt collection process, and how to seek help and support, you can protect yourself from abusive debt collection practices. If you are being harassed by a debt collector, take action today and contact a consumer protection attorney or a government agency for assistance. Remember, you have the right to fair debt collection practices, and there are laws in place to protect you from abusive debt collectors.
Is BAM a scam? No, Bureau of Account Management has been in business for 22 years.
Can Bureau of Account Management garnish my wages? Yes, BAM can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can BAM sue me? Yes, BAM can sue you so long as the debt is within the statute of limitations.
Even if you dispute the debt with the collection agency, the original creditor may still take legal action to recover the debt. It is advisable to keep thorough records of any correspondence and interactions with debt collectors, as these records can be crucial for disputing debts or seeking legal advice.
Can BAM report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report.
Can BAM 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 Bureau of Account Management in the past year and can be found on Pacer.org.
🔗1:10-cv-10358-PBS Paul v. Bureau of Account Management
🔗2:12-cv-04252-SD Cannon v. Bureau of Account Management
🔗2:14-cv-05236-RB Rumer v. Bureau of Account Management
🔗1:14-cv-01749-JEJ King v. Bureau of Account Management
About Us
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 Bureau of Account Management harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. If a debt collector violates the FDCPA, they may be responsible for not only the damages awarded to the plaintiff but also for paying the plaintiff’s lawyer fees and costs.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Bureau of Account Management call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
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”.
It is important to write down the details of conversations and communications with debt collectors to keep accurate records and protect your 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 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. THANK YOU SO MUCH!!”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
https://consumerlawfirmcenter.com/national-credit-systems-phone-harassment/
https://consumerlawfirmcenter.com/aas-debt-recovery-phone-harassment/
https://consumerlawfirmcenter.com/absolute-credit-phone-harassment/
https://consumerlawfirmcenter.com/americollect-phone-harassment/
https://consumerlawfirmcenter.com/professional-bureau-of-collections-debt-collection-harassment/
https://consumerlawfirmcenter.com/a-1-collection-service-phone-harassment/
https://consumerlawfirmcenter.com/continental-credit-control-phone-harassment/
https://consumerlawfirmcenter.com/montgomery-lynch-associates-phone-harassment/
https://consumerlawfirmcenter.com/a-1-collection-service-phone-harassment/
https://consumerlawfirmcenter.com/nationwide-credit-collection-debt-collection-harassment/
