Carter Business Service Debt Collection Harassment? Stop the Calls!

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Carter Business Service Debt Collection Harassment

Are you tired of Carter Business Service debt collectors calling you? You are not alone. Many people are going through the exact same thing. Carter Business Service Debt collectors may be calling you concerning a debt they claim you owe. You are under no obligation to pay a debt just because Carter Business Service or any other debt collector says so.

You need to understand that collection agencies are 3rd party debt collectors and you do not owe them anything.

When they call you, do not be quick to make any payment to them or even admit to owing the debt. You need to assess the situation first, and be sure what exactly their talking about.

Debt collectors get paid when they successfully recover a debt. So don’t be surprised when you see the kind of effort put into Carter Business Service debt collection process.

Debt collectors will employ any and every tactic at their disposal (even at the expense of your peace of mind) to get you to pay debts. This is why federal laws had to be put in place to control debt collection processes.

Any Carter Business Service debt collection method that involves harassment and threats is already going against the FDCPA and you can choose to sue them for Carter Business Service phone harassment. 

Carter Business Service phone harassment is simply when you are harassed with phone calls or being threatened over the phone during Carter Business Service debt collection process. This is a violation of the FDCPA.

According to the FDCPA, Carter Business Service debt collection should be void of all forms of harassment, deceit and threat. So, Carter Business Service phone harassment is not the only way your rights can be violated.

If you are lied to about a debt during Carter Business Service debt collection, that is also a violation of your rights.

Getting a debt collector off your credit report

You can actually get a debt collector off your credit report without paying them

When you don’t pay a debt collector, they will likely take you off their list, sell your debt to another collection agency, and report you to the credit bureaus.

Then the next company that bought the debt will start another round of calls to you. And it’s just not going to end.

These collection agencies may then begin to show on your credit report but taking these 3 steps will help you get them off.

  1. Make a debt validation request by writing to the the debt collector and asking them for bona fide proof that you owe them a debt (not that you may owe a debt to another company). You need them to provide evidence of a contract that you signed and or knowingly entered into by your own volition. They do not have that and can never produce it. Keep copies of whatever they respond to you with.
  2. Write to the original company that claims you owe them money. Ask them for proof that they didn’t sell your “debt” to the debt collector who contacted you and haven’t been paid the “debt” that they claim you owe them. You may additionally ask them to prove they haven’t been payed for your non-payment by an insurance policy.
  3. Write to whichever credit reporting agencies they filed a report with and tell to remove that from your report because the company cannot prove you owe the debt. This may take a few tries, but it should work.

Is Carter Business Service a scam?

According to the Better Business Bureau website, Carter Business Service has been in business since 1950. There have been 3 customer complaints filed.

Carter Business Service Better Business Bureau


Who is Carter Business Service?

Carter Business Service is third party debt collector located in Danvers, Massachusetts.

Danvers, MA 01923-5305
Phone: (781) 246-4300
Fax: (781) 246-4398

Carter Business Service Phone Numbers             

Are you receiving any harassing phone calls from any of these numbers?

781-246-4300, 781-246-4398.

If so, you may be a victim of Carter Business Service debt collection harassment. The list above is not all the numbers that Carter Business Service uses. Also, calls can be from a different numbers and it still be Carter Business Service calling you.  Contact our office right away so we can start the process to stop Carter Business Service from calling you illegally. Above all, no one should live with harassment.

Common Questions:

Is Carter Business Service a scam? No, Carter Business Service has been in business since 1950.

Can Carter Business Service seize my property? Carter Business Service 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 Carter Business Service sue me? Yes, Carter Business Service can sue you so long as the debt is within the statute of limitations.

Can Carter Business Service report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report

Can Carter Business Service 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 Carter Business Service and can be found on Pacer.org.

1:15-cv-00727-DNH-DJS Rawlins v. Carter Business Service, Inc.

1:14-cv-12991-JGD Purslow v. Carter Business Service, Inc.

1:13-cv-11703-DJC Doherty v. Carter Business Service, Inc.


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 Carter Business Service 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 Carter Business Service debt collection harassment, call us at (877)700-5790 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:


Massachusetts Attorney General 

Consumer Financial Protection Bureau

Carter Business Service Debt Collection Harassment? Stop the Calls!
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.