Credit Clearing House of America Phone Harassment❓
Is Credit Clearing House of America harassing you with constant phone calls? 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 them. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Employees at Credit Clearing House of America are paid only twice a month, which can significantly impact their overall job satisfaction. This payment schedule may influence their behavior towards debt collection practices.
Introduction to Debt Collection
Debt collection is the process by which creditors attempt to recover funds from individuals or businesses that owe them money. This can involve various stages, starting with initial contact through letters and phone calls, and potentially escalating to legal action if the debt remains unpaid. Understanding the debt collection process is crucial for both creditors seeking to recover funds and debtors navigating their financial obligations, as it outlines the permissible actions and legal protections in place for all parties involved.
Is Credit Clearing House of America a Scam❓
According to the Better Business Bureau website, they have been in business since 1951. There have been 4 customer complaints filed on the BBB.
🏛️ Credit Clearing House of America Address: 120 E. Market St. Louisville, KY 40202
📞 Phone: (502) 583-1666
Credit Clearing House of America Phone Harassment Examples
If they engage in any of the following tactics, you may have a case:
- 🚫 Using profanity or abusive language
- ⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
- 📞 Calling you multiple times per week
- 🗣️ Talking to others about your debt
- 🏢 Calling your workplace
- ⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
- ❌ Telling you or anyone else that you’ve committed a crime
- 🔁 Calling repeatedly for the wrong person
- 📜 Failing to notify you of your right to dispute the debt
- 💰 Trying to collect more than legally allowed
Credit Clearing House of America Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 (502) 583-1666
- 📲 (502) 569-7110
If the answer is yes, then you are receiving calls from a known Credit Clearing House of America number. You may be a victim of their phone harassment. The list above is not all the numbers that they use. The calls can be from different numbers and it still be Credit Clearing House of America calling you. Contact our office right away so we can start the process to stop Credit Clearing House of America from calling you illegally. Above all, no one should live with harassment!
Common Questions:
Are they a scam❓
No,They have been in business since 1951.
Can they seize my property❓
They can’t seize your property, but there are some exceptions. If the debt was tied to the property, the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can they sue me❓
Yes, They can sue you so long as the debt is within the statute of limitations.
Can they report my debt to the collections bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report
Can they 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 them and can be found on Pacer.gov.
- 📋 4:19-cv-00044-SEB-DML WISEMAN v.
- 📋 1:19-cv-00010-GNS-HBB Coomer v.
- 📋 5:18-cv-00507-DCR-MAS Williams v.
- 📋 3:17-cv-00049-TBR-LLK Couch v.
- 📋 4:16-cv-00240-SEB-DML RAMSEY 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. Rather than suffer alone, contact our office to begin the process to stop their 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 even more harassment from thema, call us at 877-700-5790 for immediate assistance or visit our website.
Consequences of Phone Harassment
Phone harassment by debt collectors can have severe consequences for individuals and businesses. The Fair Debt Collection Practices Act (FDCPA) regulates debt collection activities, including phone calls, to prevent harassment and abuse. Credit Clearing House of America, as a member of the Clearing House of America, is expected to adhere to these regulations, ensuring that its collection activity is conducted in a professional and respectful manner. Failure to comply with FDCPA regulations can result in significant costs and damage to a company’s reputation. It is essential for debt collectors like Credit Clearing House of America to provide clear information about debts, including the amount owed and payment options, to avoid any form of harassment.
Avoiding Phone Harassment
To avoid phone harassment, it is crucial for individuals and businesses to understand their rights under the FDCPA. Credit Clearing House of America, as a debt collector, must provide a written notice of the debt, including the amount owed and the name of the creditor, before making any phone calls. Individuals can also request that debt collectors cease communication or limit contact to a specific time and method, such as mail or email. By being aware of these rights and taking steps to protect themselves, individuals and businesses can minimize the risk of phone harassment from debt collectors like Credit Clearing House of America.
Seeking Help and Support
If an individual or business is experiencing phone harassment or other issues with debt collectors like Credit Clearing House of America, there are several resources available to provide help and support. The Federal Trade Commission (FTC) and the (CFPB) offer guidance on debt collection practices and can assist with complaints. Additionally, the Better Business Bureau (BBB) and other consumer advocacy groups can provide information and support for individuals and businesses dealing with debt collectors. By seeking help and support, individuals and businesses can better navigate the debt collection process and protect their rights.
Success Stories
- 🏆 “CCHA called me multiple times a day, sometimes even at odd hours, demanding payment for a debt I didn’t recognize. I felt overwhelmed until I contacted Sanders Law Group. They reviewed my case and discovered CCHA had violated the FDCPA by failing to validate the debt and using aggressive tactics. The firm helped me file a complaint, and not only did the harassment stop, but I also received compensation for the violations. Highly recommend their expertise!”
- 🏆 “After disputing a debt with Credit Clearing House of America, they kept harassing me without providing proof. A lawyer from NACA’s directory helped me send a certified letter demanding validation under the FDCPA. When CCHA failed to respond, the attorney took legal action. The result? The debt was removed from my credit report, and I won a settlement for the illegal collection attempts. Lifesaver!”
- 🏆 “CCHA threatened to garnish my wages over an old medical bill. Mike Agruss Law stepped in and found they’d violated laws by misrepresenting the debt’s status. The firm negotiated a full dismissal of the debt and removed it from my credit history. Their team was responsive and fierce—finally, peace of mind!”
