Conserve Phone Harassment?
Is Conserve***(Con)*** calling you repeatedly? If so, you may be experiencing Conserve phone harassment. In case you’re wondering who Conserve is and why they are calling you, Conserve is a legitimate company and a legitimate debt collection agency. The company is officially authorized to provide debt collection services and is recognized as an accounts receivable management firm. As part of their initial contact process, ConServe will typically reach out to consumers about overdue debts, and it is important to pay attention to these official communications. Conserve is a third-party collection agency and they most likely are calling you to talk about some money they think you owe. When an individual falls behind on their bills, their original creditor begins to pursue them in an attempt to retrieve the money they owe, but this is short-lived. Usually, creditors who pursue debts, pursue it for only about 100-120 days, after this time, they hire a professional debt collector like Conserve debt collection and hand over the account with the delinquent debt to them. These professional debt collectors are called third-party collection agencies or third-party debt collectors.
When an account gets sent to a debt collector like conserve collections, your credit report gets affected because a collection account begins to appear on it as a result of debt collection actions, which automatically affects your credit score. After this happens, the calls from the collection agency begin to come in. Many times, these calls are not the nicest. Debt collectors have successfully built a reputation for themselves as scary and dreadful entities.
Only a few people can attest to having great experiences with debt collectors. If you are currently experiencing harassment from a collection agency, know that it is illegal and can be stopped. You do not have to put up with Conserve phone harassment; the FDCPA says so. The Fair Debt Collection Practices Act puts a limit on what debt collectors can do to you. According to the FDCPA, debt collectors are not allowed to use any unfair, deceitful, or harassing method when trying to recover a debt from you. If a conserve collection agency begins to harass you with frequent phone calls or uses persistent collection tactics, threatens to send you to jail, harm you, or call your loved ones, they are violating the FDCPA, and you can sue them and get awarded for damages.
Call us immediately at 877-700-5790 to begin the process.
What to do when debt collectors call
If you’re going through Conserve debt collection, you need to know what to do and say when they call.
When a Conserve debt collector calls you, the first thing you should do is to get as much information as possible. Ask for details like the name of the caller, the agency they represent, their address, the debt they speak of and who the original creditor is, and so on.
You should also go further to ask them to send you a letter of validation to prove that you actually owe as they claim. You have the right to request that the debt collector provide proof of the debt before making any payments. As you do this, refrain from making any statement that connotes that you agree that the debt is yours.
Do your best to speak calmly and logically. Debt collectors may say things that will infuriate you, but the knowledge of your rights will help you keep them under control. Conserve phone harassment is unlawful and a violation of your right under the FDCPA. So do not cower in fear if you’re being harassed during a Conserve debt collection call, stand firm on your rights.
If the debt is validated and you confirm that it is yours, immediately make plans to negotiate. Proceed to make negotiations with conserve collections on better payment options for you, such as discussing a payment plan, exploring repayment options, or setting up structured repayment plans to resolve the debt. A credit counselor or consumer rights attorney will be in the best place to negotiate with conserve collection on your behalf.
It is also important to conserve contacts by keeping track of all communications with the debt collector and managing your interactions carefully.
What to do if a Debt Collector sues you.
How bad does debt get before you get sued for it? A debt collector can sue you when your debt becomes delinquent and has passed through the debt collection process. There are a few tips that can help you pass through the hard process of being sued. But first of all, attempt negotiating with the debt collection agency. While the Conserve debt collection process is still ongoing, and before it gets to the point of becoming a full-blown lawsuit, try negotiating a repayment plan with Conserve. Maybe you can pay less. If that does not work, do the following:
- Brace up and face the lawsuit. Respond to the debt claim and don’t ignore it, as ignoring it could attract a more severe action against you. Ignoring a Conserve lawsuit gives Conserve an automatic judgment against you, and you may be responsible for legal fees awarded to the opposing party.
- Retrieve all documents and information in your possession that has anything to do with that particular debt. During Conserve debt collection, you must put together certain documents like information about the debt, and evidence of Conserve phone harassment (if there was any). It is important to maintain a paper trail and collect supporting documentation for your case, as this can help resolve disputes and provide proof if legal issues arise.
- Demand more proof from conserve collections that you actually owe. The suing party should produce proof that you are in debt and that they have the right to sue you over it.
- Hire an attorney. If you are sure you have paid up the debt that you are being contacted over and this is a case of zombie debt, you can submit your evidence of payment to your attorney and get the case dismissed. But if you do owe, your attorney can still step in and defend your case. Please note that reading this article does not establish an attorney client relationship, and you should seek formal legal advice for your specific situation.
You equally stand a chance to file a countersuit if the creditor breached any agreement, harassed you, or if the debt was settled, discharged in bankruptcy, or is too old. If your rights have been violated, you may consider legal actions such as sending a desist letter to stop further collection activities. Legal issues may arise during this process, and legal fees could be involved depending on the outcome. If you have settled or completely resolved the debt, then bring proof of payment or your debt settlement agreement along with you to court.
Finally, if you really cannot pay off your debt even after being sued ((and only if you can really not afford to pay it off), you should strongly consider filing a petition of Bankruptcy. The entire debt will be discharged in bankruptcy; this will halt the entire collection process.
Is Conserve a Scam?
According to the Better Business Bureau website, Conserve arm has been in business for 33 years. There have been 1106 complaints filed against Con with the BBB. Other consumers have reported similar experiences, often describing persistent collection tactics. It is important to review these complaints to understand common issues and better navigate interactions with debt collection agencies. Read more information here: Conserve Better Business Bureau
Debt Collections and the Law
When it comes to debt collections, knowing your rights is your best defense. Debt collection agencies, including ConServe, are required to follow the Fair Debt Collection Practices Act (FDCPA), a federal law designed to protect consumers from abusive, deceptive, or unfair debt collection practices. The FDCPA sets out specific rules that debt collectors must follow, ensuring that you are treated fairly throughout the debt collection process.
Under the FDCPA, debt collectors must provide you with a debt validation letter. This important document outlines details about the debt, including the amount owed, the name of the original creditor, and your rights as a consumer. If you receive a call from a collection agency, you have the right to request validation of the debt before making any payments. This request for validation helps ensure that the debt is accurate and that the collection agency has the legal right to collect it.
The law also restricts when and how debt collectors can contact you. For example, they cannot call you at unreasonable hours or use harassing phone calls and aggressive collection tactics. Debt collectors are prohibited from making false or misleading statements, threatening you, or contacting your friends and family about your debt. If a collection agency like ConServe violates these specific rules, you have the right to report them and seek legal action.
Understanding the collection practices act FDCPA empowers you to stand up to unfair debt collection practices and protects consumers from being taken advantage of. If you believe your rights have been violated, you can take steps to stop the harassment and hold the collection agency accountable.
Credit Reporting and Debt
Your credit report is a crucial part of your financial well-being, and debt collections can have a significant impact on it. When a debt collector, such as ConServe, reports an unpaid debt to the credit bureaus, it can lower your credit score and make it harder to get approved for loans, credit cards, or even housing. That’s why it’s important to understand how credit reporting works and what you can do to protect yourself.
The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute any errors or inaccuracies on their credit reports. If you notice a debt on your credit report that you don’t recognize or believe is incorrect, you can contact the credit bureaus—Experian, Equifax, and TransUnion—to request an investigation. Debt collectors must comply with the FCRA and provide accurate information to the credit bureaus. If a debt is found to be inaccurate or cannot be verified, it must be removed from your credit report.
Regularly reviewing your credit reports is a smart way to catch mistakes early and ensure that your credit history is accurate. By understanding your rights under both the FCRA and FDCPA, you can take control of your credit, dispute debts that don’t belong to you, and protect your financial future. Remember, you have the power to challenge unfair debt collections and keep your credit in good standing.
Who is Conserve?
Conserve is also referred to as Continental Service Group, Inc., Conserve NY, conserve — ARM, and ConserveAccounts Receivable Management. The majority of Conserve collection agency’s primary function is collecting student loan debt, and almost all of its clients are universities and colleges. As a company specializing in collection services and account management, ConServe provides tailored debt recovery solutions for higher education institutions, focusing on efficiently recovering overdue accounts. Conserve is located in Fairport, New York. As of November of 2018, Conserve has had 110 complaints filed against them on the Better Business Bureau website.
Conserve phone number
Address: 200 Cross Keys Office Park
Fairpoint, NY 14450
Phone: (800) 724-7500
Are you dealing with Conserve Phone Harassment?
Are you receiving any harassing phone calls from any of the following numbers?
866-524-1166, 585-421-1000, 800-724-7500, 585-421-1011, 585-598-6191, 585-598-6195, 585-598-6196, 866-459-7388, 866-491-7400, 866-622-0095, 866-625-5090, 877-804-5569, 877-999-1957, 866-633-7945, (866) 524-1166, (585) 421-1000, (800) 724-7500, (585) 421-1011, (585) 598-6191, (585) 598-6195, (585) 598-6196, (866) 459-7388, (866) 491-7400, (866) 622-0095, (866) 625-5090, (877) 804-5569, (877) 999-1957, (866) 633-7945, 8665241166, 5854211000, 8007247500, 5854211011, 5855986191, 5855986195, 5855986196, 8664597388, 8664917400, 8666220095, 8666255090, 8778045569, 8779991957, 8666337945, 866-524-1166, 585-598-6193, 866-459-7311
If the answer is yes, then you are receiving calls from a known Con number. You may be a victim of Conserve phone harassment. Contact us immediately to stop any inconvenience brought upon you by Conserve’s Debt collection process.
The following is a sample list of complaints filed against Conserve in the past year and can be found on Pacer.org.
1:18-cv-05848 Jimenez v. Continental Service Group, Inc.
2:18-cv-02028-RFB-NJK Lowe v. Continental Service Group
1:15-cv-00575-EAW-HKS Jennings v. Continental Service Group, Inc.,et al
8:18-cv-02129-DCC Goldson v. Continental Service Group Inc et al
3:18-cv-00138-CAR CLARK v. CONTINENTAL SERVICE GROUP INC
About Us
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 Conserve credit 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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