BYL Collection Services, LLC Phone Harassment?
Are you receiving repeated or aggressive calls from BYL Collection Services, LLC? Have they hinted at lawsuits, wage garnishment, or contacted people around you? If so, those actions may violate federal law—and you may have the legal right to make the calls stop.
This updated 2026 consumer guide explains who BYL Collection Services is, what they can legally do, what crosses the line, and the exact steps you can take if harassment occurs.
Who Is BYL Collection Services, LLC?
BYL Collection Services, LLC is a third-party debt collection agency based in West Chester, Pennsylvania. The company has operated since 1998 and attempts to collect unpaid consumer and commercial debts on behalf of creditors.
Company details:
| Detail | Information |
|---|---|
| Company Name | BYL Collection Services, LLC |
| Location | West Chester, Pennsylvania |
| Business Type | Third-party debt collector |
| Years in Operation | Since 1998 |
| Known Phone Numbers | 610-840-8100, 610-840-8139 |
Being a legitimate company does not give a debt collector permission to harass, mislead, or intimidate consumers.
Is BYL Collection Services, LLC a Scam?
No. BYL Collection Services, LLC is not classified as a scam. Public business records show that the company has been operating for over two decades.
BYL Collection Services, LLC Better Business Bureau
However, longevity does not equal compliance.
Consumer complaints and federal court filings indicate that BYL has faced allegations involving improper communication practices and FDCPA violations. As with many collection agencies, issues often arise from how debts are collected—not whether the company exists.
Understanding Debt Collection (Consumer Basics)
Debt collection occurs when a creditor assigns or sells an unpaid account to a collection agency. That agency then attempts to recover payment.
What many consumers don’t realize is this:
Even if the debt is valid, the collection behavior must still follow federal law.
Debt collectors must clearly identify themselves, provide written validation when requested, and avoid harassment, deception, or third-party disclosure.
Collection Practices That Are Illegal Under Federal Law
If BYL Collection Services engages in any of the behaviors below, you may have a valid legal claim.
Prohibited Debt Collection Conduct
| Behavior | Legal Status |
|---|---|
| Calling before 8 a.m. or after 9 p.m. | Not allowed |
| Repeated calls meant to pressure or overwhelm | Not allowed |
| Threatening lawsuits without actual intent or authority | Not allowed |
| Discussing your debt with family, neighbors, or coworkers | Not allowed |
| Using profanity, intimidation, or abusive language | Not allowed |
| Contacting your workplace after being told to stop | Not allowed |
| Failing to send written debt validation | Not allowed |
| Attempting to collect more than legally owed | Not allowed |
What BYL Collection Services Can Legally Do
To keep things balanced, here’s what debt collectors are legally permitted to do—when done properly.
| Allowed Action | Conditions |
|---|---|
| Contact you about a debt | Must follow time & conduct rules |
| Request payment or settlement | No threats or pressure |
| Report accurate debt info to credit bureaus | Information must be correct |
| File a lawsuit | Only with legal standing |
Can BYL Collection Services Garnish Your Wages?
No—unless specific legal steps happen first.
Wage garnishment can only occur if:
BYL files a lawsuit
They win a court judgment
The debt qualifies under state or federal law
Without a court judgment, any threat of garnishment is misleading.
Known BYL Collection Services Phone Numbers
Consumers have reported calls from the following numbers:
610-840-8100
610-840-8139
Important:
BYL may also use other numbers. Caller ID alone does not determine legality—behavior does.
Consumer Laws That Protect You
Your rights come from federal consumer protection laws that remain fully enforced in 2026, including:
Protection from harassment and deceptive practices
The right to dispute debts and request verification
The right to limit or stop communication
Violations may entitle consumers to statutory damages (up to $1,000) plus attorney fees.
What To Do If BYL Is Harassing You (Step-by-Step)
Step 1: Request Debt Validation
Ask for written proof that the debt is accurate and legally collectible.
Step 2: Document Everything
Save call logs, voicemails, letters, and screenshots.
Step 3: Limit or Stop Contact
You may legally demand written-only communication or a full cease of calls.
Step 4: Escalate If Violations Continue
Ongoing harassment strengthens your legal position.
Where to Report BYL Collection Services (When Necessary)
| Authority | Purpose |
|---|---|
| (CFPB) | Federal oversight of collectors |
| Federal Trade Commission (FTC) | Enforcement against unlawful practices |
| State Attorney General | State-level consumer protection |
| Consumer Rights Attorney | Lawsuits & compensation |
Legal History & Complaints (Public Records)
Public court records reflect that BYL Collection Services, LLC has been named in multiple federal cases, including:
Shannon v. BYL Collection Services
Frazier v. BYL Collection Services
Ellis v. BYL Collection Services
Butler et al. v. BYL Collection Services
Riley v. BYL Collection Services, LLC
These filings do not determine guilt but indicate ongoing scrutiny of collection practices.
Conclusion and Next Steps
In conclusion, dealing with BYL Collection Service or any other debt collector can be a challenging and overwhelming experience. However, by understanding your rights and options, you can take control of the situation and resolve your debt.
If you are looking for a reputable company to help you deal with BYL Collection Service Collections and improve your credit score, consider reaching out to a credit repair company. They can help you navigate the complex process of debt collection and ensure that your rights are protected.
Remember to always prioritize your consumer rights and seek help when needed. You can pay your bill or resolve your debt by exploring payment options and demanding reporting from the debt collector.
BYL Collection Service Collections is a legitimate business entity, but it is essential to be cautious and ensure that you are not being scammed. By taking the right steps and seeking help when needed, you can resolve your debt and improve your financial situation.
Common Questions
Q1: Who is BYL Services LLC?
A1: BYL Collection Services, LLC is a third-party debt collector based in Pennsylvania, operating since 1998, specializing in recovering unpaid debts.
Q2: How to send unpaid debt to collections?
A2: Creditors typically send unpaid debts to collections after 90–180 days of nonpayment, hiring agencies like BYL to recover funds.
Q3: How to find what collection agency you owe?
A3: Check your credit report or contact the original creditor to identify which collection agency, such as BYL, owns your debt.
Q4: Is BYL Collection Services, LLC a scam?
A4: No, BYL is a legitimate debt collector with over 21 years of business, but they’ve faced complaints and lawsuits for harassment.
Q5: Can BYL Collection Services, LLC garnish my wages?
A5: Yes, BYL can garnish wages if they obtain a court judgment or collect on federally-backed debts like student loans.
Q6: What are signs of harassment by BYL Services?
A6: Repeated calls, threats, profanity, and contacting third parties without consent may indicate illegal harassment by BYL Collection Services.
Q7: What legal rights protect you from debt harassment?
A7: The FDCPA, FCRA, and other laws protect consumers from abusive collection tactics and allow you to dispute and verify debts.
Q8: How can I stop BYL from calling me?
A8: Send a cease-and-desist letter and report continued calls to the FTC or an attorney specializing in debt collection harassment.
Q9: Can BYL report debts to credit bureaus?
A9: Yes, debt collectors like BYL can legally report unpaid debts to credit bureaus, potentially impacting your credit score.
Q10: How to resolve harassment from debt collectors like BYL?
A10: Know your rights, request debt validation, submit cease letters, and seek legal help if you’re being harassed or threatened.
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. Rather than suffer alone, contact our office to begin the process to stop the BYL Collection Services, LLC harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
For more information about BYL Services, you can check their BBB Business Profile, which provides details about the company’s reputation, customer complaints, and overall performance metrics.
🔗 Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from BYL Collection Services, LLC. call us at for immediate assistance or visit our website.
Success Stories
“I had a medical collections company calling my number, looking for someone I had never heard of. They kept calling, even tho I told them they had the wrong number. Consumer Rights Law Firm took my case & got them to stop calling, plus they got a monetary settlement for me. I am so appreciative of the help they gave me – Teresa T”
“Mike was nice, informative, and jumped on the case A.S.A.P. Thank you, consumer rights law firm, for speaking up for me when I thought I did not have a voice. The scariest thing to hear from someone is for them to threaten to garnish your wages, and you are barely making ends meet. Once again, thanks for all your help. – Raven Hooker”
“I highly recommend this firm! They stayed on top of the case and myself. I’m sure they had a lot of cases, but always treated me as a priority, and I truly appreciate that!!! – Sylvester Boyd”
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