Are you receiving nonstop calls from Delta Outsource Group (800) 364-1895 about a debt? Delta Outsource Group debt collection harassment is not legal when it crosses the line into intimidation, excessive calling, or deception.
While debt collectors are allowed to contact you to discuss a legitimate debt, federal law strictly limits how they can do it. If Delta Outsource Group’s calls feel aggressive, threatening, or constant, you may be experiencing FDCPA violations, and you don’t have to tolerate it.
Who Is Delta Outsource Group?
Delta Outsource Group is a third-party debt collection agency based in Missouri. They collect delinquent debts either by purchasing accounts from creditors or collecting on behalf of other companies.
| Detail | Information |
|---|---|
| Company Name | Delta Outsource Group |
| Address | PO Box 1210, O’Fallon, MO 63366-9010 |
| Phone Number | (800) 364-1895 |
| Business Since | 2009 |
| BBB Status | Listed as a collection agency |
Delta Outsource Debt Collection Harassment Phone Number
Are you receiving any harassing phone calls from this number?
- 800-364-1895
Is Delta Outsource Group a Scam?
No, Delta Outsource Group is a real debt collection agency. However, legitimacy does not mean their practices are always lawful.
According to BBB data and court records, Delta Outsource Group has faced consumer complaints and federal lawsuits alleging violations of debt collection laws. These cases typically involve harassment, misrepresentation, or improper collection conduct.
How Delta Outsource Group Collects Debts
Delta Outsource Group uses multiple collection methods, including:
Collecting on behalf of lenders or service providers
Modern collection strategies increase contact frequency, which is exactly where legal violations often occur.
Common Delta Outsource Group Harassment Tactics
If Delta Outsource Group does any of the following, it may violate the Fair Debt Collection Practices Act (FDCPA):
| Behavior | FDCPA Reference |
|---|---|
| Calling before 8 a.m. or after 9 p.m. | 15 U.S.C. §1692c |
| Calling your workplace after being told not to | §1692c |
| Discussing your debt with others | §1692b |
| Using abusive or profane language | §1692d |
| Repeated or excessive phone calls | §1692d |
| Misrepresenting the amount owed | §1692e |
| Threatening arrest or criminal charges | §1692e |
| Reporting false info to credit bureaus | §1692e |
Known Lawsuits & Complaints Against Delta Outsource Group
The following is a sample list of complaints filed against the company Delta Outsource Group which can be found on Pacer.org.
| Case Name | Case Number |
|---|---|
| Koehn v. Delta Outsource Group | 1:18-cv-01084-WCG |
| Araujo v. Delta Outsource Group | 1:18-cv-22201-JEM |
| Page v. Delta Outsource Group | 3:18-cv-00953-JJH |
| Lemke v. Delta Outsource Group | 1:17-cv-08511 |
| Foley v. Delta Outsource Group | 2:16-cv-06481 |
Delta Outsource Group has faced multiple lawsuits and federal complaints under the FDCPA for misleading and deceptive communication practices. In Koehn v. Delta Outsource Group, a lawsuit alleged that a collection letter used wording that falsely implied a static debt could grow with more interest, potentially misleading consumers, a violation of the FDCPA.
Another case, Dodd v. Delta Outsource Group, involved allegations that the collector failed to verbally disclose its status as a debt collector during phone communications.
Outcome Insight:
Most FDCPA cases resolve through settlements, account corrections, or dismissal of unlawful collection activity, often without consumers paying the alleged debt.
Can Delta Outsource Group Hurt My Credit?
Yes, but only if the information they report is accurate.
Under the Fair Credit Reporting Act (FCRA):
You can dispute incorrect or unverifiable debts
Collectors must validate the debt if requested
Unverified accounts can be removed
How to Stop Delta Outsource Group Harassment
1. Send a Cease-and-Desist Letter
You have the right to demand that Delta Outsource Group stop contacting you. Send a written cease-and-desist letter and keep proof of delivery. Once received, they may only contact you to confirm they will stop or to notify you of legal action.
2. Demand Debt Validation
Within 30 days of their first contact, request written proof that the debt is valid and belongs to you. Until they provide verification, they must pause collection efforts.
3. Document Every Interaction
Keep a call log with dates, times, phone numbers, and what was said. Save voicemails, letters, and emails. This evidence is critical if harassment continues.
4. Block and Filter Calls
Use your phone’s built-in blocking tools or call-blocking apps to reduce repeated calls while you take formal action.
5. Get Legal Help if Calls Continue
If Delta Outsource Group ignores your request or threatens illegal actions, contact a consumer rights attorney. FDCPA violations may entitle you to damages and attorney fees.
How CONSUMER RIGHTS LAW FIRM, PLLC Helps!
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. Contact a legal professional to stop Delta Outsource Group debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
We also specialize in addressing issues related to credit reports, helping clients identify and correct inaccuracies or errors.
To learn more about safeguarding yourself and preventing Delta Outsource Group debt collection harassment, call us at (877) 700-5790 for immediate assistance or visit our website at Consumer Law Firm Center.
FAQs
What happens if a debt collector harasses you?
You are protected under the Fair Debt Collection Practices Act (FDCPA). If Delta Outsource Group uses repeated calls, threats, or abusive language, you have the right to document the behavior, demand that it stop, and pursue legal or regulatory action if necessary.
Why is Delta Outsource Group on my credit report?
Delta Outsource Group may appear on your credit report because they either purchased the debt or were hired to collect it on behalf of the original creditor. If the information is inaccurate, you can dispute it or request debt validation.
Who does Delta Outsource Group collect for?
They collect debts by either purchasing delinquent accounts or acting on behalf of original creditors and businesses that outsource their debt recovery efforts.
Will Delta Outsource Group hurt my credit score?
Yes. Any negative account reported by Delta Outsource Group can impact your credit score. If the listing is incorrect or unverified, you have the right to dispute it with the credit bureaus.
Why does Delta Outsource Group keep calling me?
They are likely attempting to recover an unpaid debt using standard collection practices. In some cases, frequent or automated calls may feel aggressive and can cross into harassment if they violate FDCPA rules.
How to stop Delta Outsource Group from calling me?
You can send a written cease-and-desist letter requesting that all communication stop. Keep records of calls and messages, monitor your FDCPA rights, and seek professional help if the calls continue after your request.
What are my rights when dealing with Delta Outsource Group?
You have the right to dispute the debt, request written validation within 30 days of first contact, demand that calls stop, and file complaints with regulatory agencies if laws are violated.
Should I negotiate a settlement with Delta Outsource Group?
Yes, settlement is an option. Negotiating may help resolve the debt for less than the full balance and reduce credit damage. Always get settlement terms in writing and consider professional guidance before paying.
