Consumer Solutions Group Debt Collection Harassment? Stop the Calls!
Have you received a disturbing call from a debt collector, say a third party debt collection agency like the Consumer Solutions Group or other collection agencies, that you owe some money when you are certain that you do not? You may have paid off your debt yet Consumer Solutions Group still calls you saying you have a pending debt. Collection companies like Consumer Solutions Group have legal obligations to inform you about your debts and must follow regulations to avoid harassment. Don’t panic. There are different reasons why this can happen. Instead of taking responsibility for this unknown and imposed debt, we’ll show you how to set yourself free from the handcuffs that Consumer Solutions LLC has shackled you with and stop Consumer Solutions Group phone harassment.
In recent years, the rise in consumer debt—driven by factors such as low interest rates, the subprime mortgage crisis, and increased consumer borrowing—has fueled the rapid growth of the debt collection industry. As more debts are incurred and go unpaid, debt collection agencies and debt collection companies like Consumer Solutions Group play a significant role in recovering these debts. The debt collection industry is now highly regulated, with agencies required to follow strict laws to protect consumers from abusive practices.
But before we do that, one thing that is of utmost importance is that you understand your rights when it comes to Consumer Solutions Group debt collection. If CSG collections have been calling you, whether you really owe or not, they have no right to harass you.
Consumer Solutions Group phone harassment is one thing that the FDCPA strongly frowns at. CSG collections is not permitted to speak rudely or threaten you, neither are they allowed to call your phone many times a day with the intention of harassing you. All of the activities above qualify to be called Consumer Solutions Group phone harassment.
Even if you have before, you do not have to keep putting up with Consumer Solutions Group phone harassment. It is completely unfair and a stampede on your rights. We can help you put an end to Consumer Solutions Group debt collection harassment. Just call us at 877-700-5790 and consult with us for free.
Understanding Debt Collection and Harassment
Debt collection is a process where a third-party debt collector, such as Consumer Solutions Group, attempts to collect debts from individuals or businesses on behalf of creditors. However, debt collection can sometimes lead to harassment, which is a serious issue that affects many consumers. Debt collector harassment can take many forms, including excessive phone calls, threatening letters, and abusive language. It’s essential to understand that debt collectors must follow the Fair Debt Collection Practices Act (FDCPA), which outlines specific guidelines for debt collection practices and defines the debt collector’s obligations under the law.
The FDCPA is designed to protect consumers from unfair and abusive debt collection practices. It sets clear boundaries on what debt collectors can and cannot do, requiring fair debt collections practices. For instance, they are prohibited from using deceptive methods, making false statements, or engaging in any form of harassment. The Telephone Consumer Protection Act also provides protections for consumers against certain types of invasive communication from debt collectors. Understanding these protections can empower you to stand up against any unfair treatment you might face from debt collectors like Consumer Solutions Group.
What to do when a debt collector calls about a debt that isn’t yours
The first thing you must do is verify the authenticity of the call. Be cautious of fake debt collectors who may try to deceive you into believing you owe a debt that you do not. Is Consumer Solutions Group sure that they have got the right name and contact number of their supposed debtor? Or are they going through an old record? Don’t be afraid to ask and keep asking questions, it’s your legal right.
During Consumer Solutions Group debt collection, you have the right to ask as many relevant questions as possible. You can never be too careful.
The next step to take is to confirm if you have paid or maybe never even owed or had a delinquent debt with the creditor that Consumer Solutions Group mentioned. Bring your credit report to the table and let the debt collector confirm that you really don’t owe them anymore. Be sure to check your credit report for any collection account that may have been reported, as these can significantly impact your credit score.
When dealing with debt collection, remember that medical bills are a common source of collection activity, along with other types of debts.
Consumer Solutions Group might choose to sue you, making matters much bigger than you expected, still don’t panic; a Consumer Solutions Group lawsuit is not a death sentence. How authorized is this debt collection agency to sue you? They must submit the lawsuit confirming that you can be sued. So don’t rush to pay any debt imposed on you if you don’t see a lawsuit, and even after you see one, take a bold step and hire an attorney to defend you.
Do you know that you have the right to also sue CSG collections if they insist that you owe a debt you do not owe? This is harassment on the debt collector’s part and a violation of Fair Debt Collection Practices Act (FDCPA). As an accused debtor, exercise your right to a fair debt collection process and ensure that you report the case to the FDCPA in time.
Lastly, we’re in a time of mistaken identity and identity theft. Consumer Solutions LLC might indeed have proof that you owe, but it might be a case of identity theft or simply mistaken identity. You may share names with someone and that person may be in debt, therefore, you are now getting called over a debt you have no idea about. When this happens, block all accesses to your bank account and credit cards and report to the authorities. Under no circumstances should you keep silent about such a case, so follow it up until you are vindicated, as keeping silent can have unnecessary and disastrous consequences.
You can dispute the debt imposed on you during the Consumer Solutions Group debt collection process, but when you receive this call, don’t just hang up, get a debt verification, notify the credit Bureaus then submit a copy of your credit report. It is important to request debt validation and a validation letter from the collector, which should include the debt amount and specific details about the debt involved. The debt collector is required to provide this information so you can verify debts and ensure the legitimacy of the claim.
Debt Collector Harassment: Know Your Rights
As a consumer, you have the right to be treated fairly and respectfully by debt collectors. The FDCPA prohibits debt collectors from engaging in harassing, abusive, or unfair practices, including:
- Using obscene or profane language
- Making excessive or repeated calls or visits
- Making harassing phone calls
- Threatening to arrest or sue you
- Falsely representing the amount or status of the debt
- Failing to provide validation information about the debt
If you’re experiencing debt collector harassment, it’s crucial to know your rights and take action to stop the harassment. Many consumer complaints are filed with the state attorney general’s office regarding harassing phone calls and repeated calls from debt collectors. You can report the harassment to the Federal Trade Commission (FTC) or your state attorney general’s office. Document every instance of harassment, including dates, times, and the nature of the communication. This documentation can be vital if you decide to take legal action against the debt collector.
Is Consumer Solutions Group a Scam?
No, Consumer Solutions LLC is not a scam or group of scammers trying to trick you out of your money. While there are debt collection scams in the industry that use unethical or fraudulent tactics, Consumer Solutions Group is a legitimate company. According to the Better Business Bureau website, Consumer Solutions Group has been in business for 6 years, during which time there have been 7 complaints filed against CSG with the BBB. Read more about it here: Consumer Solutions Group Better Business Bureau
Federal law, specifically the Fair Debt Collection Practices Act (FDCPA), provides protections against such scams and ensures that debt collectors follow legal guidelines.
Who is Consumer Solutions Group?
Consumer Solutions Group is a third-party debt collector located in Lawrenceville, Georgia. If you owe money, Consumer Solutions Group may contact you to recover the debt on behalf of the original creditor. The company provides account receivables solutions to a wide range of clients in industries such as Automotive, Medical, Credit Cards, Bank Overdraft, and Retail.
Contact Information
Address: 1180 McKendree Church Rd STE 105
Lawrenceville, GA 30043-5207
Phone: (866) 827-5678
Consumer Solutions Group Phone Numbers
866-827-5678, 404-410-4797, (866) 827-5678, (404) 410-4797, 8668275678, 4044104797, 272-226-7856, 866-927-4616, 866-265-6478,866-217-8269
If the answer is yes, then you are receiving calls from a known CSG number. You may be a victim of CSG phone harassment. The list above is not all the numbers that CSG uses. The calls can be from a different number and still be Consumer Solutions Group calling you. Most importantly, remember to contact our office right away to stop any form of harassment you may be enduring over these phone calls.
The following is a sample list of complaints filed against Consumer Solutions Group in the past year and can be found on Pacer.org.
1:18-cv-02518-RDB Gunning v. Consumer Solutions Group, LLC
8:18-cv-01887-JSM-JSS Heath v. Jonathan C. Frank & Associates, LLC et al
1:15-cv-00383-GJQ Penning v. Consumer Solutions Group, LLC et al
1:16-cv-00035-JTN-ESC Penning v. IntrinsicTel LLC et al
Can Consumer Solutions Group Take Legal Action?
Consumer Solutions Group, like other debt collectors, may take legal action against you if you fail to pay a debt. However, debt collectors must follow specific procedures and guidelines before taking legal action. They must:
- Send you a written notice of the debt, including the amount and creditor’s name
- Provide validation information about the debt
- Wait for a reasonable period before taking legal action
Before a debt collector can garnish wages or pursue wage garnishment, they must first obtain a court judgment against you. This court judgment is a legal requirement that establishes the debt’s validity and allows further enforcement actions. Attempting to garnish wages or take similar actions without a court judgment can result in legal consequences for the debt collector, including potential penalties for violating consumer protection laws.
If you’re facing legal action from Consumer Solutions Group, it’s essential to seek the advice of a qualified attorney who can help you understand your rights and options. An attorney can guide you through the legal process, ensuring that your rights are protected and that you are not subjected to any unfair practices. Legal fees may be involved in defending against or pursuing legal action in debt collection cases.
Repairing Your Credit Report
If you’ve been a victim of debt collector harassment or have errors on your credit report, it’s essential to take steps to repair your credit report. You can:
- Request a copy of your credit report from the three major credit reporting agencies (Experian, TransUnion, and Equifax)
- Review your credit report for errors or inaccuracies
- Dispute any errors or inaccuracies with the credit reporting agency
- Request that debt collectors stop calling you by sending a written notice or cease and desist letter to protect your rights and peace of mind
- Work with a credit repair professional to help you repair your credit report
Taking these steps can help you restore your credit standing and ensure that your credit report accurately reflects your financial history. Remember, you have the right to a fair and accurate credit report, and taking action to correct any errors is a crucial part of protecting your financial health.
Filing a Complaint Against Consumer Solutions Group
If you feel that Consumer Solutions Group has crossed the line with their debt collection practices—whether it’s through excessive phone calls, abusive language, or any other form of debt collector harassment—you have the right to take action. Federal law, specifically the Fair Debt Collection Practices Act (FDCPA), is designed to protect consumers from unfair debt collection practices and ensure that debt collectors treat you with respect.
Filing a complaint is a powerful way to hold a debt collection agency accountable and stop unwanted collection efforts. Here’s how you can take control:
- Document Everything: Keep detailed records of every interaction with Consumer Solutions Group. Write down dates, times, the phone number used, and the names of any representatives you speak with. Save all letters, emails, and voicemails. This documentation is crucial if you need to prove a pattern of unfair or abusive collection practices.
- File a Complaint with Authorities: You can report Consumer Solutions Group to the Federal Trade Commission (FTC), the (CFPB), or your state’s Attorney General’s office. These agencies investigate complaints about debt collectors and can take action against those who violate federal laws.
- Contact the Better Business Bureau: Filing a complaint with the Better Business Bureau (BBB) can also help bring attention to unfair collection practices and may prompt the collection agency to resolve your issue.
- Send a Cease and Desist Letter: If you want the phone calls and collection efforts to stop, you can send a written cease and desist letter to Consumer Solutions Group. Under the FDCPA, once a debt collector receives this letter, they must stop contacting you except to confirm receipt or notify you of specific legal actions.
- Consider Legal Action: If Consumer Solutions Group continues to violate your consumer rights, you may have grounds to pursue legal action. An experienced attorney can guide you through the legal process, help you understand your options, and fight for statutory damages or attorney fees if your rights have been violated.
- Seek Credit Repair Help: If Consumer Solutions Group has reported inaccurate information to the credit bureaus, a credit repair professional can help you dispute errors on your credit report and work toward restoring your financial health.
Remember, you are not alone in facing debt collector harassment. By taking these steps, you can protect yourself from unfair debt collection practices and ensure your rights are respected. Don’t hesitate to stand up for yourself—federal laws are in place to protect consumers like you from abusive collection agencies. If you need immediate assistance or want a free case review, reach out to a qualified law firm or credit repair professional for support.
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 stop the Consumer Solutions Group debt collection 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 Consumer Solutions Group call us at 877-700-5790 for immediate assistance or visit our website at consumerlawfirmcenter.com
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff was very courteous and helpful and they were familiar with the Collection Agency’s 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”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable, and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
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