What is phone harassment by Collection Experts?

Phone harassment by Collection Experts occurs when they repeatedly call you with intent to annoy, abuse, or harass regarding a debt, use obscene language, threats of harm, or call at inconvenient times—practices prohibited under the Fair Debt Collection Practices Act (FDCPA).

How often can Collection Experts legally call me?

Under FDCPA and Regulation F, they may not call more than seven times in seven days about the same debt, nor call again within seven days after a phone conversation about that debt.

Can Collection Experts call me before 8 a.m. or after 9 p.m.?

No. Debt collectors, including Collection Experts, cannot call before 8 a.m. or after 9 p.m. local time, unless you explicitly agreed to it.

Are they allowed to call my workplace or family members?

Collection Experts may call third parties only to confirm your contact details and only once, without identifying themselves as collectors or discussing your debt. They must stop if you tell them your employer disapproves or you’ve retained an attorney.

How do I make Collection Experts stop calling me?

Send a written cease‑and‑desist letter requesting that Collection Experts stop contacting you. Once received, they can only call to inform you they won’t call again or to notify you of a specific legal action.

Can I sue Collection Experts for phone harassment?

Yes. If they violate FDCPA or the Telephone Consumer Protection Act (TCPA), you can sue for statutory damages (up to $1,000 per violation) and actual damages like lost wages or emotional distress.

How do I report Collection Experts to authorities?

You can file complaints with the (CFPB), Federal Trade Commission (FTC), your state attorney general, and the Better Business Bureau (BBB), providing detailed records of the calls.

Do I have to validate the debt first?

Yes. Within five days of first contact, Collection Experts must send a written validation notice. You have 30 days to dispute the debt in writing. During that time, they must cease collection until they verify it.

What counts as harassing behavior?

Examples include repeated or nonstop calls, threats of violence, profane language, false statements (such as misrepresenting themselves as attorneys or government agents), or publishing a 'list' of people who owe debts.

Can Collection Experts hurt my credit score?

Yes. If Collection Experts report your debt to credit bureaus while it remains unpaid, it may negatively affect your credit score. You can dispute any inaccuracies with the credit reporting agencies.

Collection Experts Phone Harassment?

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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Collection Experts Debt Collector Harassment?

Is Collection Experts (CE) calling you? Stop Collection Experts 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. You have the legal right to stop CE phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, and the FDCPA also allows you to recover your attorney’s fees if you win a lawsuit against a debt collector.

Is Collection Experts a Scam?

According to the Better Business Bureau website, Collection Experts has been in business for 5 years. Read more here: Collection Experts Better Business Bureau.

Who is Collection Experts Debt Collection Agency?

Collection Experts is a third-party debt collector located in Naperville, Illinois. Collection Experts collects consumer debts, which are covered by the FDCPA; business debts, however, are not protected under the FDCPA and may require different legal strategies. As a third-party debt collector, Collection Experts is different from the original creditor—the entity that initially extended the credit or issued the debt. It is important to know who the original creditor is, as your rights and the applicable laws may differ depending on whether you are dealing with the original creditor or a third-party collector. CE has been a party to a Federal Court case 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.

🏛️ Collection Experts Address: 280 Shuman Blvd Ste 250 Naperville, IL 60563-3579

📞 Phone: (866) 594-3522

Collection Experts Harassment Tactics

If Collection Experts engages in any of the following tactics, you may have a case:

▶️ Talking to others about your debt
▶️ Calling your workplace
▶️ Receiving multiple calls in a short period, which may constitute debt collection harassment
▶️ Receiving personal calls at your workplace from a debt collector calling you
▶️ Being pressured not to ignore calls from Collection Experts, or being threatened for doing so

These behaviors may be considered debt collection harassment under the law. If you are receiving multiple calls, personal calls at work, or are being harassed by a debt collector calling you, you have rights and protections under laws like the FDCPA.

Collection Experts Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

📲 866-594-3522
📲 630-391-8046
📲 (866) 594-3522
📲 (630) 391-8046
📲 8665943522
📲 6303918046

If the answer is yes, then you are receiving calls from a known CE number. You may be a victim of CE phone harassment. The list above is not all the numbers that CE uses. The calls can be from different numbers and it still be Collection Experts calling you. Contact our office right away so we can start the process to stop CE from calling you illegally. You have the right to request that Collection Experts stop calling you, and you can do this by sending a written notice. Debt collector contacts are regulated by law, and you have protections against harassment and misrepresentation during these contacts. Above all, no one should live with harassment!

Consumer Rights and Protections

When dealing with debt collectors, it’s crucial to know your rights and the protections available to you under federal and state law. The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive debt collection practices and ensure fair debt collection practices by debt collectors and debt collection agencies. This law covers a wide range of household debts, including credit card debt, medical bills, and other personal debts.

Under the FDCPA, debt collectors are strictly prohibited from using obscene or profane language, making false statements about the debt amount or legal actions, and engaging in harassing behavior such as making multiple calls to your phone number or contacting you at inconvenient times. Debt collectors cannot threaten you with legal action or wage garnishment unless they actually intend to take such steps and are legally allowed to do so. They are also forbidden from discussing your unpaid debt with family members, neighbors, or government officials without your consent, protecting your privacy and preventing creditor harassment.

You have the right to dispute a particular debt and request debt validation. If you send a dispute letter to the debt collection agency, they must stop contacting you and provide substantial proof of the debt before continuing collection efforts. This process helps protect consumers from misleading practices and ensures that you are not held responsible for debts you do not owe. If you want a debt collector to stop contacting you altogether, you can make this request in writing, and by law, the debt collector must honor your request, except to notify you of specific legal actions.

State laws may provide additional protections beyond the federal law, so it’s important to be aware of your rights under both state and federal court systems. If you believe a debt collector violated your rights—such as by making false threats, using abusive language, or engaging in unfair practices—you can report harassment to the Federal Trade Commission (FTC), your state’s attorney general, or even take legal action in state or federal court. Successful claims may entitle you to damages, attorney’s fees, and court costs.

To protect yourself, always keep detailed records of all telephone calls, electronic communications, and written correspondence with debt collectors. Note the dates, times, phone numbers, and the content of each debt collector contact. This documentation can be vital if you need to dispute a debt, report harassment, or pursue legal remedies.

If you’re struggling with debt management or facing persistent debt collector harassment, consider reaching out to a non-profit credit counseling agency. These organizations can help you develop a plan to pay off your debts, improve your credit report with credit bureaus and credit reporting companies, and better understand your debt collection rights.

Remember, you have the power to stop debt collectors from using unfair or deceptive practices. By understanding your rights under the debt collection practices act FDCPA and state laws, you can protect yourself, your bank account, and your family members from further communication that crosses the line into harassment. If you need help, don’t hesitate to seek a free consultation with a consumer rights attorney or credit counselor.

Common Questions

Is CE a scam?

No, Collection Experts has been in business for 5 years.

Can Collection Experts garnish my wages?

Yes, CE can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. If you ignore calls or legal notices, you may risk having your wages garnished. However, certain federal benefits are generally protected from being garnished, except for specific debts like student loans or taxes.

Can CE sue me?

Yes, CE can sue you so long as the debt is within the statute of limitations. Lawsuits may be filed for various types of debts, including medical debts. Debt collectors may pressure you to pay immediately, but you have the right to request validation and should not be rushed into payment.

Can CE report my debt to the collection bureaus?

Yes, Debt collectors are allowed to place the collection account on your credit report. Collection Experts may also report your debt to a credit reporting company, and proper reporting practices are required.

Can CE 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. You cannot be arrested simply because you owe money.

What should I do when I receive initial contact from Collection Experts?

When you receive initial contact from Collection Experts, it is important to respond promptly. Request debt validation in writing to ensure the debt is accurate and to protect your rights.

What damages can I recover if I sue for harassment?

If you sue for harassment by a debt collector, you may be able to recover damages such as emotional distress and lost wages if the harassment caused you to miss work.

The following is a sample list of complaints filed against Collection Experts in the past and can be found on Pacer.gov.

📋 2:95-cv-00429-PJG Booth v.
📋 2:03-cv-00112-JPS Lingle v.
📋 2:06-cv-00440-AEG Lamphear v.
📋 3:97-cv-00764-bbc Krueger v.
📋 1:19-cv-04150 Conte v.

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. Our team helps clients understand debt collection laws, including their rights under federal and state regulations, and what actions debt collectors are legally allowed to take. If you experience harassment or believe your rights have been violated, we encourage you to report these violations to your state’s attorney general. Rather than suffer alone, contact our office to begin the process to stop the Collection Experts harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from Collection Experts. call us at for immediate assistance or visit our website at www.consumerlawfirmcenter.com

Success Stories

🏆 I thought debt collectors could say and do whatever they wanted — until Consumer Rights Law Firm stepped in. They reviewed my case, found illegal practices, and filed a claim on my behalf. Not only did they stop the harassment, but I also received a settlement. Highly professional and reliable.
🏆 Before hiring Consumer Rights Law Firm PLLC, I used to dread unknown numbers. Collectors were aggressive and even called my workplace. The firm immediately sent out cease and desist letters and educated me about my rights under the FDCPA. The harassment stopped, and I feel confident again.
🏆 What impressed me most was that everything started with a free consultation. They listened patiently, reviewed the evidence I had, and explained my options. Within weeks, the harassing calls were gone. I didn’t have to pay anything out of pocket, and they delivered on every promise.
🏆 The team at Consumer Rights Law Firm PLLC made a stressful situation feel manageable. They never made me feel ashamed about my debt. Instead, they empowered me to fight back against unlawful calls and threats. Their team kept me updated and made the legal process easy to follow.
🏆 After months of daily calls and voicemail threats, I had enough. I contacted Consumer Rights Law Firm PLLC, and they took swift action. They knew the debt collector was violating federal law and handled everything with confidence. The calls stopped, and I finally got some peace of mind.

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.