Creditors Protection Service Phone Harassment❓
Is Creditors Protection Service 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 phone harassment. 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 debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Introduction to Debt Collection
Debt collection is a process where a debt collector or a collection agency attempts to recover outstanding debts from debtors on behalf of creditors. This process can have a significant impact on an individual’s financial future, and it’s essential to understand the fair debt collection practices and the Fair Credit Reporting Act (FCRA) that regulate the industry. Creditors Protection Service is a debt collection agency that specializes in recovering debts from individuals and businesses. By understanding these regulations, consumers can better protect themselves from unfair practices and take control of their financial future.
Is Creditors Protection Service a Scam❓
According to the Better Business Bureau website, They have been in business since 1963. There have been 2 complaints closed in the last 3 years and 1 complaint closed out in the last 12 months.
What is Creditors Protection Service❓
Creditors Protection Service is a debt collection agency that works on behalf of various creditors, including medical providers, utility companies, and other service-based businesses, to recover unpaid debts from consumers. Based in Illinois, the agency is known for contacting individuals via phone calls, letters, and sometimes legal action in an effort to collect overdue accounts. While they are legally allowed to collect debts, Creditors Protection Service must comply with the Fair Debt Collection Practices Act (FDCPA), which prohibits harassment, threats, and other abusive tactics. If you’ve been contacted by this agency, it’s important to verify the debt and understand your rights before taking any action.
Creditors Protection Service has been serving their clients collection needs with a personal touch since 1963.
🏛️ Creditors Protection Service Address: 308 W State St # 485 Rockford, IL 61101-1196
📞 Phone: (815) 964-9331
📠 Fax: (815) 964-9835
Creditors Protection Service Phone Harassment Examples
If their Service 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, or destroy your credit
- 🚨 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
Creditors Protection Service Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 (815) 964-9331
- 📲 (800) 964-3087
If the answer is yes, then you are receiving calls from a known Creditors Protection Service number. You may be a victim of Creditors Protection Service phone harassment. The list above is not all the numbers that Creditors Protection Service uses. The calls can be from different numbers and it still be Creditors Protection Service calling you. Contact our office right away so we can start the process to stop them from calling you illegally. Above all, no one should live with harassment!
Impact on Credit Report
When a debt is sent to a collection agency, it can negatively impact an individual’s credit report. The credit report will show that the debt is in collections, which can lower the individual’s credit score. However, it’s crucial to note that debt collection agencies like Creditors Protection Service must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which protect consumers from unfair and deceptive practices. Understanding how debt collection affects credit reports is vital for managing debt and maintaining a healthy financial future. By staying informed, consumers can take steps to mitigate the impact on their credit and work towards financial stability.
Debt Collection Process
The debt collection process typically begins when a creditor sends a debt to a collection agency. The collection agency will then attempt to contact the debtor to collect the outstanding debt. This can be done through phone calls, mail, or other forms of communication. It’s essential for debtors to be aware of their rights and to verify the debt and the collection agency to avoid scams. Creditors Protection Service, like other collection agencies, must provide debtors with written notice of the debt, including the amount owed, the original creditor, and the payment options. By understanding these steps, debtors can ensure they are dealing with legitimate agencies and take appropriate actions to address their debts.
Managing Debt and Credit
Managing debt and credit is crucial for maintaining a healthy financial future. Individuals can take steps to manage their debt by creating a budget, prioritizing payments, and communicating with creditors and collection agencies. It’s also essential to monitor credit reports and dispute any errors or inaccuracies. Creditors Protection Service and other collection agencies can provide guidance and support to help individuals manage their debt and improve their credit score. By understanding the debt collection process and the laws that regulate it, individuals can take control of their financial situation and make informed decisions about their debt and credit. Taking proactive steps can lead to a more secure financial future and reduce the stress associated with debt management.
Common Questions:
Are their Service a scam❓
No, Creditors Protection Service has been in business since 1963.
Can they Service seize my property❓
Creditors Protection Service 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 Service sue me❓
Yes, their Service can sue you so long as the debt is within the statute of limitations.
Can they Service report my debt to the collections bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report
Can they Service 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 Creditors Protection Service and can be found on Pacer.gov.
- 📋 1:19-cv-05047 Beckett v.
- 📋 5:94-cv-00152-BFG Rider 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 them. 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 Creditors Protection Service, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I was overwhelmed with nonstop calls from a debt collection agency. I had no idea that what they were doing was illegal until I found Consumer Rights Law Firm online. From the very first call, their team made me feel heard and protected. They explained my rights clearly, handled all the paperwork, and kept me updated at every step. Within weeks, the harassment stopped completely. I couldn’t believe how quickly they resolved my issue. If you’re facing similar harassment, don’t wait. These folks know exactly what they’re doing and truly care about their clients.
- 🏆 I contacted Consumer Rights Law Firm after a collector began calling my job and family members. I was embarrassed and didn’t know where to turn. The legal team at CRLF was incredibly professional and never made me feel judged. They explained that the collector was violating the law and took immediate action on my behalf. Their responsiveness and transparency were impressive. Not only did they make the calls stop, but they also helped me receive compensation. I would recommend them 100% to anyone being harassed by debt collectors.
- 🏆 Consumer Rights Law Firm helped me get my peace of mind back. I was being harassed by robocalls every single day, sometimes 10 times a day! I was scared, frustrated, and didn’t think I had any legal options until I found them. Their intake process was simple, and their team was very knowledgeable and patient in answering my questions. They handled everything and got the harassment to stop. Even better, I ended up receiving a settlement for the illegal calls. I didn’t expect that! This firm is truly life-changing. I finally sleep well at night.
