🚨Edward Sloan & Associates Phone Harassment❓
Is Edward Sloan & Associates (ESA) calling you? Stop Edward Sloan & Associates phone harassment. 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 ESA phone harassment. The FDCPA and TCPA regulate the actions of debt collection agencies, establishing rules to protect consumers from abusive practices. 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. Debt collectors are also required to send validation notices to alleged debtors within a certain timeframe after initial communications.
🛡Introduction To The Issue
Debt collection is a serious issue that affects many consumers in the United States. The Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA) are laws that regulate the behavior of debt collectors, including Edward Sloan & Associates. These laws protect consumers from abusive and harassing debt collection practices, such as excessive calling and threats of lawsuits or wage garnishment. In this article, we will discuss the issue of debt collection and how consumers can protect themselves from debt collector harassment.
💡Understanding Debt Collection
Debt collection is the process by which a debt collector attempts to recover a debt from an alleged debtor. Debt collectors, such as Edward Sloan & Associates, use various methods to collect debts, including phone calls, letters, and emails. However, some debt collectors engage in abusive and harassing practices, such as calling consumers multiple times a day or threatening to sue them. The Texas Finance Code and the FDCPA regulate the behavior of debt collectors in Texas and provide consumers with protections against abusive debt collection practices.
⚠️Is Edward Sloan & Associates A Scam❓
According to the Better Business Bureau website, Edward Sloan & Associates has been in business for 27 years. There have been 7 complaints filed against ESA with the BBB.
This information has been recently updated to provide the most current insights regarding their debt collection practices and consumer complaints.
🔎Who Is Edward Sloan & Associates❓
Edward Sloan and Associates is third party debt collector located in Winnsboro, Texas. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that Edward Sloan and Associates used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer on behalf of their clients. They offer a range of services, including debt recovery and consumer protection, to support their clients’ needs.
Address: 1005 W Broadway St Apt G
Winnsboro, TX 75494-2063
Phone: (903) 342-3802
🎯Edward Sloan & Associates Collection Tactics
If Edward Sloan & Associates engages in any of the following tactics while collecting accounts receivable, 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
- 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
These actions are prohibited under consumer protection laws like the FDCPA, and you may need to take legal action to enforce your rights and seek monetary damages.
📋Complaints Against Debt Collectors
Many consumers have filed complaints against debt collectors, including Edward Sloan & Associates, alleging abusive and harassing practices. These complaints often involve excessive calling, threats of lawsuits or wage garnishment, and failure to verify debts. The FDCPA requires debt collectors to verify debts and provide consumers with certain information, such as the amount of the debt and the name of the creditor. Debt collectors who fail to comply with the FDCPA may be liable for damages and other penalties.
⚖️Can Debt Collectors Sue Me or Garnish My Wages❓
Debt collectors, including Edward Sloan & Associates, may sue consumers who owe debts. However, debt collectors must follow certain procedures and provide consumers with certain notices before suing them. The FDCPA prohibits debt collectors from making false or misleading statements, including threats to sue or garnish wages. Consumers who are being sued by a debt collector should seek the advice of an attorney to understand their rights and options.
🛑Stopping Debt Collection Harassment
Consumers who are being harassed by debt collectors, including Edward Sloan & Associates, can take steps to stop the harassment. The FDCPA provides consumers with the right to request that debt collectors cease communications and stop calling them. Consumers can also file complaints with the Federal Trade Commission (FTC) or their state Attorney General’s office. Additionally, consumers can seek the advice of an attorney to help them resolve their debt collection issues.
📜Filing a No Fee Lawsuit
Consumers who have been harassed by debt collectors, including Edward Sloan & Associates, may be able to file a no fee lawsuit against the debt collector. The FDCPA provides consumers with the right to sue debt collectors who engage in abusive and harassing practices. Consumers who file a lawsuit against a debt collector may be able to recover damages, including statutory damages and actual damages. An attorney can help consumers understand their rights and options and assist them in filing a lawsuit against a debt collector.
📞Edward Sloan & Associates Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
903-342-3802, 866-322-3802, 903-342-3514, 903-347-1221,(903) 342-3802, (866) 322-3802, (903) 342-3514, (903) 347-1221, 9033423802, 8663223802, 9033423514, 9033471221
If the answer is yes, then you are receiving calls from a known ESA number. You may be a victim of ESA phone harassment. The list above is not all the numbers that ESA uses. The calls can be from a different number and it still be Edward Sloan & Associates calling you. Contact our office right away so we can start the process to stop ESA from calling you illegally. Above all, no one should live with harassment!
For legal assistance, you can reach out to us through both phone calls and email.
🏷️Common Questions
Is ESA a scam❓
No, Edward Sloan & Associates has been in business for 27 years.
Can Edward Sloan & Associates garnish my wages❓
Yes, ESA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can ESA sue me❓
Yes, ESA can sue you so long as the debt is within the statute of limitations.
Can ESA report my debt to the collections bureaus❓
Yes, ESA can report your debt to the collections bureaus, including the original date of default or non-payment, and the date the debt was transferred.
Can ESA arrest me❓
Consumers should notify debt collectors in writing to dispute a debt, as such written communication is crucial for legal processes and consumer rights regarding debt collection.
📝The following is a sample list of complaints filed against Edward Sloan & Associates in the past year and can be found on Pacer.gov.
6:17-cv-00508-KE-JCW Hand v. Edward Sloan & Associates, Inc
6:09-cv-00369-MHS Stunkard v. Edward Sloan & Associates, Inc
4:13-cv-00098-A Miller v. Edward Sloan & Associates
4:12-cv-00790-Y Miller v. Edward Sloan & Associates
🏛️About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in providing quality services to clients who are facing harassment from debt collectors in any form, including telephone communication. Our firm’s extensive experience in handling consumer law ensures that you receive expert assistance in combatting debt collection harassment. Rather than suffer alone, contact our office to begin the process to stop the Edward Sloan & Associates 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 Edward Sloan & Associates call us at for immediate assistance or visit our website.
🏆Success Stories
“Edward Sloan & Associates left voicemails saying they’d ‘sue me and take my car’—over a debt I’d already disputed. Consumer Rights Law Firm PLLC proved they violated FDCPA §807(4) (false legal threats) and secured a $5,100 settlement. The calls stopped, and I kept my car!”
“Edward Sloan harassed me for a hospital bill from 2015—way past the statute of limitations. The firm demanded validation, and when they couldn’t provide it, the debt was deleted permanently. They even made Edward Sloan send a written apology for their illegal tactics!”
“Edward Sloan called my elderly mother claiming I was ‘hiding from creditors.’ Consumer Rights Law Firm PLLC sued for FDCPA §805(b) (third-party disclosure) and got my credit report cleaned up. My FICO score rose 138 points in 60 days!”