Collection Bureau of Hudson Harassment: Understanding Debt Collection Practices
Debt collectors can be so persistent sometimes that they become harassing. Have you found yourself in such a situation? Do you owe a debt and the Collection Bureau of Hudson Valley, a debt collection company, keeps calling? Or maybe you do not even owe any more yet the Collection Bureau of Hudson Valley still keeps calling insisting that you do. It can be very disturbing and frustrating. Overstepping on the convenience of a debtor is wrong no matter what and the Collection Bureau of Hudson Valley or any other debt collection agency has no right to harass you.
Are you wondering if there was a way to stop Collection Bureau of Hudson Valley debt collection harassment? You are not alone. Many people have had terrible complaints about Collection Bureau of Hudson Valley debt collection and have at some point even considered changing their phone numbers. Debt collectors are known for their annoying calls and many times, insulting and insensitive modes of communication. People have had cases of debt collectors cursing and threatening them on the phone over a debt. Some debt collectors go as far as calling and harassing the friends and family members of the debtor, or even threatening physical harm. It is very important that people know that they have rights that protect them from Collection Bureau of Hudson Valley phone harassment and any other form of harassment by debt collectors. Ignorance of your rights makes you susceptible to prolonged unfair treatment from collection agencies. If you suspect that your rights are being violated, you should speak to a good lawyer. Contact us here
Understanding Fair Debt Collection Practices
Fair debt collection practices are essential to protect consumers from abusive and harassing debt collection tactics. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of debt collectors, including the Collection Bureau of Hudson Valley. This law is designed to prevent debt collectors from engaging in unfair, deceptive, and abusive practices.
Under the FDCPA, debt collectors are prohibited from making harassing phone calls. This means they cannot repeatedly call you with the intention of annoying or harassing you. Additionally, debt collectors are not allowed to make false or misleading statements. For example, they cannot misrepresent the amount of debt you owe or the consequences of not paying it.
The FDCPA also prohibits unfair practices, such as charging excessive fees or interest rates. If you feel that a debt collector is engaging in any of these prohibited behaviors, you have the right to dispute the debt and request validation. Debt collectors must provide you with written notice of the debt, including the amount owed, the name of the creditor, and a statement indicating that you have the right to dispute the debt.
Understanding these fair debt collection practices can help you protect yourself from abusive tactics and ensure that your rights are upheld.
Collection Bureau of Hudson Valley phone harassment and your rights
How often must the Collection Bureau of Hudson Valley call you before you can call this harassment? What really counts as harassment and unprofessionalism?
Does the CollectionBureau of Hudson Valley call you at odd hours? Maybe at work or at night? That is Collection Bureau of Hudson Valley phone harassment
Are they physically threatening you?
Has an agent of the Collection Bureau of Hudson Valley ever embarrassed you in public or before friends?
Does the debt collector from Collection Bureau of Hudson Valley pressurise you to sell any of your assets just to pay back?
Then you must understand your right and stand on them.
The Fair Debt Collection Practices Act (FDCPA) was put in place to address such unprofessional behaviours such as Collection Bureau of Hudson Valley phone harassment, misrepresentation of debt, and harassment from the collection agency, in this case the Collection Bureau of Hudson Valley.
Additionally, the Telephone Consumer Protection Act (TCPA) protects consumers from unwanted and harassing calls from debt collection agencies, including the use of automated dialing systems and the frequency of calls made to consumers.
So what should you do when you owe and are being harassed for a debt by a third-party collection agency?
- Keep all evidences that the agent from the Collection Bureau of Hudson Valley has harassed you. It could be a recorded phone call, or a saved message, or even a video footage, if there was a physical contact.
- Talk to the creditor. This might look like a weak move but it is not. It could be that your creditor who sold your debt to the Collection Bureau of Hudson Valley doesn’t know about the harassing advances made at you. You and your creditor can negotiate and either find a common ground of agreement or if need be your creditor can change the third party collection agency from the Collection Bureau of Hudson Valley to a more reliable third party collection agency.
- Report to a professional body. Don’t retreat to a shell and not exercise your rights. The FDCPA already has you covered so taking the matter up in court will not only help you exercise your rights but will bring the unlawful act of Collection Bureau of Hudson Valley phone harassment to order. This is further avoid future harassment and if possible, you could be awarded some compensatory fees.
- Hurry now if you are being harassed by any debt collector and get yourself free from such a situation. You can be the debtor, but you have rights too that shouldn’t be undermined. You have every right to sue.
Signs of Debt Collection Harassment by Collection Bureau of Hudson Valley
If you are being contacted by the Collection Bureau of Hudson Valley, it is crucial to recognize the signs of debt collection harassment. Here are some common indicators:
- Repeated Phone Calls: Receiving multiple phone calls from the Collection Bureau of Hudson Valley in a short period can be a sign of harassment. Debt collectors are not allowed to call you repeatedly with the intent to annoy or harass you.
- Threats: If a debt collector threatens to sue you, garnish your wages, or damage your credit score, it may be a sign of harassment. Such threats are often used to intimidate consumers into paying.
- False or Misleading Statements: If a debt collector makes false or misleading statements about the debt, such as misrepresenting the amount owed or the consequences of not paying, it is considered harassment.
- Unfair Practices: Engaging in unfair practices, such as charging excessive fees or interest rates, is another sign of harassment.
If you believe you are being harassed by the Collection Bureau of Hudson Valley, you have several options to protect yourself:
- Request a Cease and Desist Letter: You can request that the Collection Bureau of Hudson Valley stop contacting you. This can be done by sending a cease and desist letter.
- File a Complaint: You can file a complaint with the Federal Trade Commission (FTC) or your state’s Attorney General’s office. These government agencies can investigate and take action against debt collectors who violate the FDCPA.
- Seek Legal Action: If the harassment continues, you can seek legal action against the Collection Bureau of Hudson Valley for violating the FDCPA. Consulting with a lawyer who specializes in consumer rights can help you understand your options and take the necessary steps to protect yourself.
Remember, you have rights as a consumer, and it is essential to know them to protect yourself from debt collection harassment. By understanding the signs of harassment and knowing how to respond, you can take control of the situation and ensure that your rights are respected.
Do I have the right to dispute a debt?
The Fair Debt Collection Practices Act is a very helpful tool that helps debtors out of different dilemmas. One of the bailout systems that the FDCPA creates is the opportunity for a debtor who does not agree with a debt to dispute it.
It is crucial to understand the importance of debt validation when dealing with debt collectors like the Collection Bureau of Hudson Valley (CBHV). Consumers should always request proof of the debt before accepting any claims to avoid inaccuracies and ensure proper documentation.
Within 30 days of being contacted by a debt collector, you have the right to send a dispute letter to the collection agency. This is why it is important that you request the name and address of the collection agency the first time they contact you. After sending a dispute letter, you should have a copy of the letter for yourself, as it is advisable for any document of that form. Verbally disputing a debt over the phone is also an option, but it is not an effective one. Sending a dispute letter to the collection agency is more effective and advisable. The moment you dispute a debt, a debt collector is mandated to cease all forms of communication with you until they can substantially prove that you owe the debt by providing relevant documents.
Who is Collection Bureau of Hudson Valley?
Collection Bureau of Hudson Valley is a third-party debt collector and a collection agency located in Newburgh, New York.
The Collection Bureau Hudson Valley has a strong reputation for handling debt collection with professionalism and confidentiality.
Contact Information
Address: 155 N Plank Rd Newburgh, NY 12550-1747 Phone: (845) 561-6880 Fax: (845) 913-7403
Is Collection Bureau of Hudson Valley a scam?
No, they’re a legit debt collection agency. According to the Better Business Bureau website, Collection Bureau of Hudson Valley has been in business since 1974. Debt collection agencies, like the Collection Bureau of Hudson Valley, play a significant role in recovering unpaid debts. They often take legal actions such as court summons and wage garnishment after obtaining default judgments against debtors. It is crucial to consult an attorney to navigate disputes with these agencies. There have been 21 complaints closed in the last 3 years and 4 complaints closed out in the last 12 months. Read more about them here Collection Bureau of Hudson Valley Better Business Bureau
Collection Bureau of Hudson Valley Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
800-745-1395, 845-561-6880, 845-913-7403, 888-913-7496
If so, you may be a victim of Collection Bureau of Hudson Valley debt collection harassment. Call us now on (877)700-5790
Harassing phone calls and aggressive debt collection practices can negatively impact your credit report, making it crucial to address these issues promptly.
The following is a sample list of complaints filed against Collection Bureau of Hudson Valley can be found on Pacer.org.
2:18-cv-09155-JMV-CLW EL v. COLLECTION BUREAU OF HUDSON VALLEY, INC.
8:18-cv-00608-JSM-SPF Davis v. Montgomery Ward, Inc., et al.
7:17-cv-06287-KMK-JCM Grant v. Collection Bureau of Hudson Valley, Inc.,
1:17-cv-00934-WFK-LB Fowler v. Collection Bureau of Hudson Valley, Inc.
1:16-cv-02631-JG Todd v. Collection Bureau of Hudson Valley, Inc.
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. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from the Collection Bureau of the Hudson Valley. Debt collectors must adhere to regulations and cannot misrepresent themselves as a government agency. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
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