Continental Central Credit Phone Harassment?
Have you been receiving unwanted calls from Continental Central Credit recently? Do you have to endure abuse, threats, or intimidation during these calls?
We all fall behind on our debt payments every once in a while, and falling behind on these payments may lead to frequent and unwanted calls from debt collectors like Continental Central Credit. This, coupled with the fact that there are several debt collection agencies that knowingly violate the rules prescribed to them by the law regarding how debt is ethically meant to be collected, can make the situation worse. They have been reported to go as far as threatening, harassing, or pestering consumers whose debt accounts they are trying to collect on with much too frequent and annoying calls meant to put them in an uncomfortable position. These repeated calls and threats are often intended to harass consumers. Debt collectors may threaten legal action or other consequences to intimidate you into paying. Sometimes, these calls are placed to consumers for the purpose of advertisement without first gaining their prior consent. Debt collectors may also be attempting to collect debts through improper or illegal efforts, such as contacting you despite legal restrictions. In some cases, they may demand immediate payment, which can violate regulations if done under false pretenses or before legally permitted. This is frowned upon by the TCPA.
The TCPA is a body of rules enacted to protect your telephone lines from the constant badgering and annoying phone calls made to you by banks, telemarketers, or debt collection agencies. The rules of the TCPA clearly specify how business, advertisement, or debt collection is meant to be carried out over the phone. Debt collectors are restricted in communicating with consumers, such as not calling at inconvenient times or contacting third parties without permission. The TCPA instructs debt collectors to introduce themselves to you upon making the first contact, only contact you at reasonable hours, and secure your permission before placing robocalls to your phone, especially for the purpose of advertisement. Every debt collection agency is expected to know the TCPA laws and conduct business according to its guidelines.
If a debt collection agency like Continental Central Credit is harassing you via telephone, you must remember that you have rights that protect you against such practices. If you sue the offending collection agency, you may be granted a compensation of $500 for each violation of the TCPA of the TCPA or $1500 if you can prove that the violation was willful. The failure of debt collectors to follow TCPA rules can result in significant legal consequences. Learn more about your TCPA rights below:
A brief overview of the TCPA
In 1991, the Government passed a bill that limits the way solicitations (Telemarketing) use automated telephone devices. This was a result of the increasing complaints made by consumers about the alarming use of SMS text messages, automatic dialing systems, fax machines, artificial or prerecorded voice messages by telemarketers. The TCPA also lists many technical requirements for the use of fax machines, auto-dialers, and voice messaging systems. When contacted, the individual must provide their identity, the name, and the contact information of the company or individual they represent. The TCPA also:
- Prohibits solicitors from calling your house before 8 a.m. or after 9 pm.
- Prohibits debt collectors and telemarketers from speaking to consumers at prohibited times, such as before 8 a.m. or after 9 p.m., or in ways that violate the law.
- Requires solicitors to identify themselves, state the name of the individual or company they represent and contact information.
- Does not allow unsolicited advert faxes, Emails, or Robocalls.
- It does not permit calls where the receiver is charged for the call.
If your TCPA rights have been violated, you can sue and get up to $500 for each violation or you can seek an injunction. Contact us today if you have any concerns.
Understanding Debt Collection
Debt collection is a process in which debt collectors or collection agencies, such as Continental Central Credit Inc, attempt to recover unpaid debts from consumers who have fallen behind on their payments. The fair debt collection practices outlined in the Fair Debt Collection Practices Act (FDCPA) are designed to ensure that debt collectors conduct business in a respectful and lawful manner. Under the FDCPA, collection agencies must provide clear information about the alleged debt, including proof if requested, and must immediately cease collection efforts if the consumer disputes the debt in writing.
The debt collection process often begins when a creditor assigns or sells a past-due account to a collection agency. Once a collection agency like Continental Central Credit takes over, they may contact the consumer through phone calls, letters, or emails in an attempt to collect the debt. However, the FDCPA strictly prohibits debt collectors from engaging in harassing, threatening, or deceptive practices. For example, collection agencies cannot call consumers at inconvenient times—such as before 8 a.m. or after 9 p.m.—or at their place of employment if the employer does not allow such calls.
Consumers have important rights when dealing with debt collectors. If you are contacted by a collection agency, you have the right to dispute the debt and request written verification. Upon receiving a written dispute, the collection agency must provide proof of the debt and stop all collection activity until they do so. Additionally, consumers can request in writing that a debt collector stop contacting them altogether, and the agency must honor this request.
Oversight of debt collection practices is provided by government agencies such as the Better Business Bureau (BBB) and the Federal Trade Commission (FTC). These agencies handle consumer complaints and monitor the conduct of debt collection agencies, including Continental Central Credit Inc. The BBB also maintains records of consumer complaints and the business practices of collection agencies, helping consumers make informed decisions. In California, the Department of Business Oversight enforces state-specific regulations that may offer additional protections for consumers dealing with debt collectors.
It is crucial for consumers to understand their rights under the FDCPA and to be proactive when contacted by a debt collector. Always request proof of the alleged debt, respond in writing, and keep records of all communications. If you believe you are a victim of unfair, abusive, or deceptive debt collection practices, you can file a complaint with the BBB, FTC, or your state’s regulatory agency. In cases of phone harassment or unauthorized robocalls, the Telephone Consumer Protection Act (TCPA) provides further protection, allowing consumers to sue for violations and seek compensation.
By staying informed about the debt collection process and your rights, you can protect yourself from unfair practices and ensure that debt collectors, including Continental Central Credit, are held accountable for their conduct. If you need assistance or believe your rights have been violated, consider reaching out to a consumer protection attorney or a relevant government agency for support.
Who is Continental Central Credit?
Continental Central Credit is a third-party debt collector located in Carlsbad, California. CCC provides collection services for creditors, working to recover debts on behalf of the original lenders or entities holding the debt. CCC has been a party to a Federal Court case over 35 times. They have been accused of violating consumer’s rights and guilty of illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Contact Information
Address: 5611 Palmer Way #G
Carlsbad, CA 92010-7253
Phone: (760) 931-7799
Is Continental Central Credit a Scam?
No, Continental Central Credit is a recognized third-party collection agency operating within the United States. According to the Better Business Bureau website, Continental Central Credit has been in business for 35 years. Read more about the agency and the numerous complaints they have received here: Continental Central Credit Better Business Bureau
Continental Central Credit Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
760–931-7799, 760–944-0200, 800–525-6000, (760) 931-7799, (760) 944-0200, (800) 525-6000, 7609317799, 7609440200, 8005256000
If the answer is yes, then you are receiving calls from a known CCC number. You may be a victim of CCC phone harassment. Call a qualified attorney on 877-700-5790 for assistance.
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The following is a sample list of complaints filed against Continental Central Credit in the past and can be found on Pacer.org. These cases are subject to legal review for debt collection practices and potential FDCPA violations.
3:09-cv-00080-CDL Gomez v. Continental Central Credit Inc
2:16-cv-01402-PP Syndergaard v. Continental Central Credit Inc
3:98-cv-00570-DJS Tobin v. Continental Central
3:98-cv-02289-J-LSP Demry, et al v. Continental Central, et al
1:16-cv-03034-PAB-MJW Martin et al v. Continental Central Credit, Inc (filed in Colorado)
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 CCC. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at for immediate assistance.
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
Free assistance to stop Continental Central Credit debt collection harassment. Please call us now at 877-700-5790. Stop the Calls!
