🚨Collecto Inc Phone Harassment❓
Is Collecto Inc (CI) harassing you? When an account or bill goes unpaid for some time, the issue of debt collection comes into play. Debt collectors are agencies assigned to recover debts from people who owe. They agree to pursue the debt on behalf of the original creditor on the grounds that they will be paid a commission or a percentage of the debt they recover. Debt collectors many times, go to the extreme in an attempt to recover debts from debtors. They have been found many times, harassing, threatening, and using curse words when speaking to a consumer. Some debt collectors even go as far as calling third parties and telling them about a consumer’s debt. Being harassed by debt collectors could be a very petrifying experience. If a debt collector begins to make you feel unsecured and scared about your safety, you should know that such harassment is illegal and can be stopped. The Fair Debt Collection Practices Act is a federal law that was passed to protect consumers from scary debt collectors. If a debt collector violates the FDCPA, you have the right to sue them and get awarded a $1,000.
It is crucial to review and verify all legal documentation associated with collection calls to avoid scams and ensure the authenticity of the debt being collected.
🎯Introduction to Debt Collection
Debt collection is a process where a debt collector or a collection agency attempts to recover unpaid debt from an individual or a business. Debt collectors may contact individuals through phone calls, emails, or letters to demand payment for outstanding debt. It is essential to understand that legitimate debt collectors must follow the fair debt collection practices and respect consumers’ rights. However, debt collection scams are common, and individuals must be cautious when dealing with debt collectors. If you owe money to a creditor, it is crucial to verify the debt and ensure that you are dealing with a legitimate debt collector. Always ask for a debt validation letter and check your credit report to confirm the debt’s legitimacy. By staying informed and vigilant, you can protect yourself from potential scams and ensure that you are only paying debts you legitimately owe.
💡Understanding Collection Agencies
A collection agency is a company that specializes in recovering unpaid debt on behalf of creditors. Collection agencies may use various tactics to collect debt, including phone calls, letters, and emails. However, they must comply with the Fair Debt Collection Practices Act (FDCPA) and respect consumers’ rights. When dealing with a collection agency, it is essential to verify the debt and ensure that you are communicating with a legitimate representative. Be wary of fake debt collectors who may use intimidation tactics or threaten arrest to demand payment. If you are unsure about the legitimacy of a collection agency, you can check their company name, phone number, and address to verify their identity. Protect yourself by staying informed and cautious, ensuring that you only interact with legitimate debt collectors.
✉️Credit Report and Debt Verification
Verifying debt and checking credit reports are crucial steps in dealing with debt collectors. A credit report is a document that contains information about an individual’s credit history, including outstanding debt and payment history. When a debt collector contacts you, it is essential to request a debt validation letter to verify the debt. The debt validation letter should include information about the original creditor, the amount of debt, and the debt collection agency. You can also check your credit report to ensure that the debt is listed and that the information is accurate. If you find any errors or discrepancies, you can dispute the debt and request that the credit reporting agency correct the information. By taking these steps, you can ensure that you are only paying debts that you legitimately owe and that your credit report accurately reflects your financial history.
🔍What Do You Do After You Have Paid A Debt Collector
Paying a debt collector after you have confirmed that the debt is yours is a great thing to do, but making payments doesn’t end there. After paying a debt collector, here are a few things you should do:
- Try to avoid further debts: It is great that you came out of this debt successfully, but it is wise to use that as a guide to ensure that you do not fall into the same pit twice. Do your best to live within your means and avoid debts.
- Immediately begin to make plans to improve your credit score by asking the debt collector to remove the debt from your credit report. It is wise to say this to the debt collector even before you pay the debt. Get them to agree to remove the negative entry from your credit report before you pay. Another feasible option is to hire a professional who can help you get the debt off your credit report.
⚠️Is Collecto, Inc a Scam❓
According to the Better Business Bureau website, Collecto, Inc has been in business for 28 years. There have been 231 complaints filed against CI with the BBB.
🔎Who is Collecto Inc❓
Collecto, Inc is third party debt collector located in Norwell, Massachusetts. CI has been a party to a Federal Court case over 420 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.
Address: 700 Longwater Dr
Norwell, MA 02061-1624
Phone: (781) 753-4990
📞Collecto Inc Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
781-753-4990, (781) 753-4990, 7817534990
If the answer is yes, then you are receiving a collection call from a known CI number. You may be a victim of CI phone harassment. The list above is not all the numbers that CI uses. The calls can be from a different number and it still be Collecto, Inc calling you. Contact our office right away so we can start the process to stop CI from calling you illegally. Above all, no one should live with harassment!
🏷️Common Questions
🏷️Is CI a scam❓
No, Collecto, Inc has been in business for 28 years.
Can Collecto Inc garnish my wages❓
Yes, CI can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. They may use wage garnishment as a tactic to collect the debt.
Can CI sue me❓
Yes, CI can sue you so long as the debt is within the statute of limitations.
Can CI 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 Collecto, Inc in the past year and can be found on Pacer.gov.
2:11-cv-02195-LSC Fox v. Collecto, Inc.
1:13-cv-00088-MJG Russell v. Collecto, Inc.
3:10-cv-02554-AJB-JMA Hammerlord v. Collecto, Inc
3:09-cv-02286-W-WMC Torres et al v. Collecto, Inc
7:09-cv-00941-HGD Eaton v. Collecto, Inc
⚖️Understanding Your Rights
As a consumer, you have the right to dispute debt and request verification of the debt. You also have the right to stop collection calls and harassment from debt collectors. The FDCPA prohibits debt collectors from using abusive language, making false statements, and engaging in unfair or deceptive practices. If you are being harassed by a debt collector, you can send a cease-and-desist letter to stop the communication. You can also report the debt collector to the Federal Trade Commission (FTC) or your state’s Attorney General office. Remember that you have the right to protect your financial information and prevent identity theft. Knowing your rights can empower you to take action against unfair debt collection practices and safeguard your financial well-being.
🛑Taking Action Against Harassment
If you are being harassed by a debt collector, it is essential to take action to stop the harassment. You can start by sending a cease-and-desist letter to the debt collector, demanding that they stop contacting you. You can also report the debt collector to the FTC or your state’s Attorney General office. Additionally, you can file a complaint with the (CFPB) or your state’s consumer protection agency. Remember to keep a record of all communication with the debt collector, including phone calls, emails, and letters. This documentation can be useful in case you need to take legal action against the debt collector. By taking action against harassment, you can protect your rights and prevent further abuse. Don’t hesitate to seek legal assistance if needed to ensure that your rights are fully protected.
🏛️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. Rather than suffer alone, contact our office to begin the process to stop the Collecto, Inc 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 Collecto, Inc call us at for immediate assistance or visit our website.
🏆Success Stories
“Collect Inc kept calling about a credit card debt from 2018 (past the statute of limitations!). The firm sent a validation demand letter – when Collect Inc couldn’t prove it, they wiped the debt completely AND removed it from my credit reports. Life-changing!”
“Collect Inc told my HR department I was ‘refusing to pay debts’ – which was 100% false. Consumer Rights Law Firm PLLC sued for invasion of privacy and defamation. Result? A written apology from Collect Inc’s CEO and $8,000 in damages paid to me!”
“15+ automated calls DAILY from Collect Inc – even at 6 AM! The firm filed a Telephone Consumer Protection Act (TCPA) lawsuit against their illegal autodialer system. The calls stopped immediately, and I received a $4,500 settlement. Never heard from them again!”
