Bureau of Accounts Control Phone Harassment?
**Is Bureau of Accounts Control (BAC) calling you?**Stop Bureau of Accounts Control phone harassment. Do they threaten to take legal action or garnish your wages? You may have grounds to file a claim against them for any violations. 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. You have the legal right to stop BAC phone harassment. If a collection agency called Bureau of Accounts Control violates the FDCPA, you may be eligible to file a lawsuit and receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Introduction to the Issue
The issue of debt collection harassment has become a significant concern for many consumers. Collection agencies, such as Bureau of Accounts Control, Inc, have been known to engage in unfair and deceptive practices, leaving individuals feeling overwhelmed and unsure of their rights. It is essential to understand the laws and regulations that govern collection agencies and to know how to address phone harassment. Knowing your rights and the proper steps to take can help you protect yourself from abusive practices and ensure that you are treated fairly. Be sure to check the agency’s website for the most up-to-date details, including specific dates related to services or information updates.
Is Bureau of Accounts Control a Scam?
According to the Better Business Bureau website, Bureau of Accounts Control has been in business for 33 years. BAC Services LLC, a collection agency, provides insights into its history, address, and services offered.
Bureau of Accounts Control Better Business Bureau
Who is Bureau of Accounts Control?
Bureau of Accounts Control is third party debt collector located in Howell, New Jersey. They offer a variety of services, including medical and dental debt collection, utilizing advanced technology to meet client needs. BAC 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. They also assist small businesses with managing accounts receivable, emphasizing their extensive experience and commitment to personal service. Users are encouraged to add updates or new agency details to enhance the directory.
Address: 3601 Route 9 North
Howell, NJ 07731
Phone: (732) 370-7047
Bureau of Accounts Control is often referred to or searched for by other names. These include:
bureau of accounts control, bureau of accounts, bureau of accounts control, accounts control, account control bureau inc, account control bureau inc, bureau of accounts
Company Profile: Bureau of Accounts Control, Inc
Bureau of Accounts Control, Inc is a collection agency located in Howell Township, NJ. The company has been in business for over 30 years and specializes in medical, retail, and commercial accounts. With a staff of 15 people, the company is managed by owner Sheryl Gambarella. However, despite its long history, the company has received an F rating from the Better Business Bureau for failing to respond to consumer complaints. This rating reflects the company’s poor handling of consumer issues and highlights the importance of being vigilant when dealing with any collection agency. The law protects individuals from debt collection calls to their friends and family.
Understanding Collection Agency Laws
Collection agencies are required to follow the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from abusive and harassing debt collection practices. The FDCPA prohibits collection agencies from engaging in unfair or deceptive practices, such as making repeated and harassing phone calls, threatening violence or harm, or disclosing debt information to third parties. Consumers have the right to dispute debts and to request that collection agencies cease communication. Understanding these laws means you can take action if you feel that a collection agency is violating your rights.
Your Rights Under the Law
As a consumer, it is essential to understand your rights under the FDCPA. You have the right to request that a collection agency verify a debt, to dispute a debt, and to request that the agency cease communication. You also have the right to sue a collection agency if they have violated your rights. It is crucial to keep a record of all communication with collection agencies, including dates, times, and details of conversations. This documentation can be invaluable if you need to take legal action to protect your rights.
Understanding Debt Collection
Debt collection is a process where a collection agency or debt collector attempts to recover unpaid debts from individuals or businesses. The Fair Debt Collection Practices Act (FDCPA) regulates the actions of debt collectors, ensuring that they do not engage in abusive or harassing behavior. Understanding debt collection is crucial for consumers to know their rights and protect themselves from unfair practices. In New Jersey, particularly in Howell Township, debt collection agencies like Bureau of Accounts Control (BAC) and BAC Services LLC operate, providing services to businesses and individuals.
Collection agencies are tasked with recovering debts on behalf of creditors, and they must adhere to strict guidelines set forth by the FDCPA. This federal law prohibits practices such as making repeated and harassing phone calls, using abusive language, and disclosing debt information to third parties. By understanding these regulations, consumers can better protect themselves and ensure that they are treated fairly.
In Howell Township, NJ, Bureau of Accounts Control and BAC Services LLC are prominent players in the debt collection industry. They offer a range of services to businesses, including managing accounts receivable and collecting overdue payments. However, it is essential for consumers to be aware of their rights and to take action if they believe a debt collector is violating the law.
Bureau of Accounts Control Collection Tactics
If Bureau of Accounts Control 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
If you have told the collector that you cannot receive calls at work or that you are unable to pay the debt, and they continue to call, this is a violation.
Unwanted calls from collection agencies can be particularly disruptive when they occur at work.
Bureau of Accounts Control Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
732-370-7047, (732) 370-7047, 7323707047
If the answer is yes, then you are receiving calls from a known BAC number. When you see these numbers on your caller ID, it indicates a direct line from Bureau of Accounts Control. You may be a victim of BAC phone harassment. The list above is not all the numbers that BAC uses. The calls can be from a different number and it still be Bureau of Accounts Control calling you. Contact our office right away so we can start the process to stop BAC from calling you illegally. Above all, no one should live with harassment!
Common Questions
Is BAC a scam? No, Bureau of Accounts Control has been in business for 33 years.
Can Bureau of Accounts Control garnish my wages? Yes, BAC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Additionally, their services are available at no cost to the consumer, ensuring you receive support without financial concerns.
Can BAC sue me? Yes, BAC can sue you so long as the debt is within the statute of limitations. Clients will not incur any costs as legal fees associated with consumer rights cases will be covered by the opposing party.
Can BAC report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection Accounts on your credit report
Can BAC 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 Accounts Control in the past year and can be found on Pacer.org.
2:09-cv-14602-SJM-MAR Greer v. Bureau of Accounts Control, Inc.
3:14-cv-06416-FLW-DEA Kassin v. Bureau of Accounts Control
2:08-cv-01156-FSH-PS Horton v. Bureau of Accounts Control
3:12-cv-03603-MAS-TJB Weinstein v. Bureau of Accounts Control
3:15-cv-06083-PGS-TJB Ciprano v. Bureau of Accounts Control
Alleged Violations by Bureau of Accounts Control
Bureau of Accounts Control, Inc has been alleged to have violated the FDCPA on several occasions. Consumers have reported receiving repeated and harassing phone calls, being threatened with legal action, and having their debt information disclosed to third parties. If you believe that Bureau of Accounts Control, Inc has violated your rights, you may be entitled to compensation. It is important to document any instances of harassment and to seek legal advice to understand your options.
Real Reviews and Testimonials
Real reviews and testimonials from clients can provide valuable insights into the practices of a collection agency. For instance, reviews of BAC Services LLC may highlight their community-focused approach and utilization of the latest technology in their operations. Testimonials from satisfied clients can also demonstrate a company’s commitment to client services and their ability to handle all aspects of past due debt. However, it’s essential to be cautious of fake or misleading reviews, and consumers should always verify the authenticity of testimonials before making any decisions.
When evaluating reviews, look for detailed accounts of clients’ experiences, including how the agency handled their debt and the level of customer service provided. Authentic testimonials often mention specific interactions and outcomes, providing a clearer picture of the agency’s practices. On the other hand, overly generic or excessively positive reviews may be a red flag, indicating that they could be fabricated.
By taking the time to read and verify reviews, consumers can make more informed decisions about which collection agencies to trust. This due diligence can help ensure that they are working with a reputable company that respects their rights and operates within the bounds of the law.
How to Address Phone Harassment
If you are being harassed by a collection agency, such as Bureau of Accounts Control, Inc, it is essential to take action. You can start by requesting that the agency cease communication, either by phone or in writing. You can also file a complaint with the Federal Trade Commission (FTC) or your state’s Attorney General’s office. Additionally, you may want to consider contacting a consumer rights attorney, such as Sergei Lemberg, who can help you navigate the process and ensure that your rights are protected. Remember, you have the right to stop the harassment and to protect your financial well-being. Taking these steps can help you regain control and put an end to the distressing calls.
Debt Collection Regulations
Debt collection regulations, such as the FDCPA, play a crucial role in protecting consumers from unfair and deceptive practices. The FDCPA prohibits debt collectors from engaging in activities like repeated and harassing phone calls, threats of violence or harm, and false or misleading statements. Consumers should be aware of these regulations and understand their rights when dealing with debt collectors. In New Jersey, consumers can contact the state’s consumer protection agency for guidance on debt collection regulations and to file complaints against debt collectors.
The FDCPA also grants consumers the right to dispute debts and request verification. If a debt collector contacts you, they must provide information about the debt, including the amount owed and the name of the original creditor. If you believe the debt is not yours or the amount is incorrect, you have the right to dispute it within 30 days of receiving the initial communication.
In addition to the FDCPA, state laws in New Jersey offer further protections. Consumers can reach out to the New Jersey Division of Consumer Affairs for assistance and to report any violations. Understanding these regulations empowers consumers to take control of their financial situation and seek recourse if they are subjected to illegal debt collection practices.
Hiring a Consumer Lawyer
Hiring a consumer lawyer can be an effective way to protect yourself from debt collector harassment and ensure that your rights are respected. A consumer lawyer can help you understand the FDCPA and other relevant laws, and they can represent you in court if necessary. When hiring a consumer lawyer, look for someone with experience in debt collection cases and a proven track record of success. In Howell, NJ, consumers can find qualified consumer lawyers who specialize in debt collection and consumer protection law.
A knowledgeable consumer lawyer can provide valuable guidance on how to handle interactions with debt collectors, including how to respond to communication and what steps to take if your rights are violated. They can also assist in negotiating settlements and, if needed, filing lawsuits against collection agencies that engage in illegal practices.
When searching for a consumer lawyer, consider their experience, reputation, and client reviews. A lawyer with a strong background in consumer protection law and a history of successful cases can offer the best chance of achieving a favorable outcome. By enlisting the help of a skilled attorney, consumers can navigate the complexities of debt collection and ensure their rights are upheld.
Collection Agency Red Flags
Collection agency red flags can indicate that a debt collector is engaging in unfair or deceptive practices. Some common red flags include aggressive or threatening behavior, repeated calls or messages, and demands for payment without providing clear information about the debt. Consumers should be cautious of debt collectors who refuse to provide verification of the debt or who attempt to collect debts that are not legitimate. In New Jersey, consumers can report suspicious debt collection activities to the state’s consumer protection agency.
If a debt collector is using high-pressure tactics, such as threatening legal action or making false claims about the consequences of not paying, this is a significant red flag. Legitimate debt collectors are required to follow the law and provide accurate information about the debt and your rights.
Another red flag is if a debt collector contacts you about a debt that you do not recognize or believe you have already paid. In such cases, request written verification of the debt and review your records to confirm its legitimacy. If the debt collector cannot provide adequate proof, you may be dealing with a scam or an error.
By being vigilant and recognizing these red flags, consumers can protect themselves from fraudulent or unethical debt collection practices. Reporting suspicious activities to the appropriate authorities can also help prevent others from falling victim to similar tactics.
Protecting Yourself from Harassment
Protecting yourself from harassment by debt collectors requires knowledge of your rights and the laws that regulate debt collection. Consumers should keep records of all communication with debt collectors, including dates, times, and details of conversations. It’s also essential to understand the FDCPA and other relevant laws, such as the Electronic Fund Transfer Act (EFTA), which protects consumers from unauthorized electronic payments. In Howell, NJ, consumers can contact local consumer protection agencies or non-profit organizations for guidance on protecting themselves from debt collector harassment. By being informed and taking proactive steps, consumers can ensure that their rights are respected and that they are treated fairly by debt collectors.
One of the first steps in protecting yourself is to request that the debt collector cease communication. Under the FDCPA, you have the right to ask a debt collector to stop contacting you, and they must comply with your request. Sending a written cease and desist letter can be an effective way to halt unwanted calls and messages.
Additionally, if you believe a debt collector is violating your rights, you can file a complaint with the Federal Trade Commission (FTC) or your state’s Attorney General’s office. These agencies can investigate the matter and take action against the debt collector if necessary.
By staying informed and taking advantage of the protections offered by the FDCPA and other laws, consumers can safeguard themselves against harassment and ensure that they are treated with respect and fairness by debt collectors.
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. For inquiries, updates, or corrections regarding our services, please contact us via email. Rather than suffer alone, contact our office to begin the process to stop the Bureau of Accounts Control harassment. To get started, fill out our free consultation form. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. You can find valuable information and forms related to debt collection services on our dedicated page.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Transworld, Inc. 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”. Sharing my personal experience with them has been a great way to support others facing similar challenges.
“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”. The time and attention given by the lawyers to understand and handle my case effectively was truly reassuring.
“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!!”
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